4097 la Panza Rd, Creston, CA 93432 Property Records

San Luis Obispo County property record for 4097 la Panza Rd, Creston, CA 93432

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 720 sqft · built 1974
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$98,700 (Nov 2013)
Tax Bill	$3,756 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`043-251-007`

Property Details

APN / Parcel Number

Primary APN	`043-251-007`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	720 sqft Living Area
Gross Area	2,134 sqft

Exterior

Year Built	Built 1974
Lot Area	435,600 sqft (10 acres)
Terrain	Combination
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	4097 LA PANZA RD
City	CRESTON
State	CA
Zip	93432-9783
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	RAMONA AC 1 & 2 LT 46 LESS RD
Legal Subdivision	RAMONA ACRES
Legal Lot Number	46
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ATASCADERO
Census Block Group	1
Census Block	1001
Census Tract	13100

Owner

Source: San Luis Obispo County records, as of September 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4097 LA PANZA RD, CRESTON, CA 93432-9783
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2020	Deed of Trust, Mortgage · Conventional with PMI CENTRAL COAST LNDG
Sep 1, 2017	Quit Claim Deed, Transfer CENTRAL COAST LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2013 · Amount on Record
Deed Sale	Nov 22, 2013 · Amount on Record
Prior Sale	May 15, 2015 · Amount on Record
Deed Document Number	0000065056
Last Transfer Date	Sep 1, 2017
Transfer Doc	0000039559
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	4097 LA PANZA RD, CRESTON, CA 93432-9783
Document Number	0000021026
Instrument Date	Apr 25, 2020
Transaction Type	Mortgage
Record Updated	May 13, 2020
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4097 LA PANZA RD CRESTON CA 934329783, CRESTON, CA 93432-9783

Mortgage

Document Number	0000021026
Date	Apr 30, 2020
Instrument	21026

Lender

Name	CENTRAL COAST LNDG
Address	MORRO BAY, CA 93442

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2050

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 1, 2017
Property Address	4097 LA PANZA RD, CRESTON, CA 93432-9783
Document Number	0000039559
Instrument Date	Aug 28, 2017
Instrument	39559
Transaction Type	Transfer
Record Updated	Sep 21, 2017
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4097 LA PANZA RD CRESTON CA 934329783, CRESTON, CA 93432-9783

Mortgage

Document Number	39560
Date	Sep 1, 2017
Instrument	39560

Lender

Name	CENTRAL COAST LNDG
Address	MORRO BAY, CA 93442

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 31, 2047

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	California
County	San Luis Obispo County
Unified School District	Atascadero Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$3,756.00 (+4.97%) Homeowner's exemption	$335,904 (+4.04%) Land $148,325 Building $187,579
2023	$3,578.00 (+1.3%) Homeowner's exemption	$322,862 Land $142,566 Building $180,296
2022	$3,532.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective July 22, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 86% of the US · above 66% of California
Wildfire Likelihood	0.8% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Surfnet Communications Fixed Wireless	100 / 20
Ranch Wifi Fixed Wireless	100 / 20

Cell Coverage

4G LTE only, no 5G reported

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