432 Penelope Ln, Santa Maria, CA 93455 Property Records

Santa Barbara County property record for 432 Penelope Ln, Santa Maria, CA 93455

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,427 sqft · built 2008
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$650,000 (Jan 2023)
Tax Bill	$9,498 (2025)
Deeds & Mortgages	Jan 2023 Transfer Jan 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`105-390-023`

Property Details

APN / Parcel Number

Primary APN	`105-390-023`
Alternative APN	`10539023`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,427 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Lot Area	4,356 sqft (0.1 acres)

Location & Zoning

Street Address	432 PENELOPE LN
City	SANTA MARIA
State	CA
Zip	93455-5235
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SLP
Legal Subdivision	TR 14481
Legal Lot Number	23
Jurisdiction	SANTA BARBARA CA
Township / Civil Division	SANTA MARIA
Census Block Group	3
Census Block	3018
Census Tract	2012

Owner

432 Penelope Ln is owned by an individual who bought it in January 2023.

Source: Santa Barbara County records, as of July 8, 2026

Owner of Record	Individual Name on File
Mailing Address	685 MONADELLA ST, ARROYO GRANDE, CA 93420-5757
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2023	Intrafamily Transfer, Transfer PLACER TITLE COMPANY
Jan 20, 2023	Grant Deed, Transfer PLACER TITLE COMPANY
Jun 16, 2020	Deed of Trust, Mortgage · VA Mortgage LADERA LNDG
Feb 21, 2019	Deed of Trust, Mortgage · VA Mortgage LADERA LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 20, 2023 · Amount on File
Deed Sale	Jan 20, 2023 · Amount on File
Prior Sale	Dec 23, 2010 · Amount on File
Deed Document Number	20231564
Prior Transfer Date	Jan 12, 2023
Prior Transfer Doc	0000001565
Record Updated	Sep 20, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA BARBARA CA
Recording Date	Jan 20, 2023
Property Address	432 PENELOPE LN, SANTA MARIA, CA 93455-5235
Document Number	0000001565
Map Reference	MB 202 PG 38-42
Instrument Date	Jan 12, 2023
Instrument	2023-0001565
Transaction Type	Transfer
Record Updated	Feb 1, 2023
Title Company	PLACER TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 MONADELLA ST, ARROYO GRANDE, CA 93420-5757

January 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA BARBARA CA
Recording Date	Jan 20, 2023
Property Address	432 PENELOPE LN, SANTA MARIA, CA 93455-5235
Document Number	0000001564
Map Reference	MB 202 PG 38-42
Instrument Date	Jan 11, 2023
Instrument	2023-0001564
Transaction Type	Transfer
Record Updated	Feb 1, 2023
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 MONADELLA ST, ARROYO GRANDE, CA 93420-5757

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	432 PENELOPE LN, SANTA MARIA, CA 93455-5235
Document Number	0000030903
Instrument Date	Jun 16, 2020
Transaction Type	Mortgage
Record Updated	Jul 2, 2020
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	432 PENELOPE LN SANTA MARIA CA 934555235, SANTA MARIA, CA 93455-5235

Mortgage

Document Number	0000030903
Date	Jun 23, 2020
Instrument	30903

Lender

Name	LADERA LNDG
Address	LADERA RANCH, CA 92694

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 22, 2050

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	432 PENELOPE LN, SANTA MARIA, CA 93455-5235
Document Number	0000008119
Instrument Date	Feb 21, 2019
Transaction Type	Mortgage
Record Updated	Mar 12, 2019
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	432 PENELOPE LN SANTA MARIA CA 934555235, SANTA MARIA, CA 93455-5235

Mortgage

Document Number	0000008119
Date	Mar 1, 2019
Instrument	8119

Lender

Name	LADERA LNDG
Address	LADERA RANCH, CA 92694

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 28, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 432 Penelope Ln was $9,498.

Source: Santa Barbara County assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Barbara County
Elementary School District	Orcutt Union Elementary School District (KG - 08)
Secondary School District	Santa Maria Joint Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$689,785 (+2%) Land $291,832 Building $397,953
2025	$9,498.00	$676,260 Land $286,110 Building $390,150
2023	$6,517.00 (+37.98%)	$412,517 Land $141,609 Building $270,908
2022	$4,723.00

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

Flood

FEMA maps place 432 Penelope Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 432 Penelope Ln is moderate, ranking above 67% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 67% of the US · above 41% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GOLDEN STATE WATER COMPANY - ORCUTT private · serves 34,267 people · EPA ID CA4210016
Water Source	Purchased surface water from CITY OF SANTA MARIA UTILITIES DEPARTMENT
Last State Inspection	Dec 2025
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 154 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Astound Broadband, Frontier, T-Mobile.

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