435 S 12th St, Grover Beach, CA 93433 Property Records

San Luis Obispo County property record for 435 S 12th St, Grover Beach, CA 93433

Property Summary

Property Type	Planned Unit Development
Details	3 bd · 2.5 ba · 1,684 sqft · built 1990
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on Record
Last Sale	$825,000 (Jul 2026)
Tax Bill	$8,386 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Sep 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`060-294-027`

Property Details

APN / Parcel Number

Primary APN	`060-294-027`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,684 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Wood
Lot Area	3,485 sqft (0.08 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	435 S 12TH ST
City	GROVER BEACH
State	CA
Zip	93433-2430
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Local Zoning Code	R3
Legal Description	CY GC PM 45/94 PAR 1
Legal Subdivision	PARCEL MAP G-89-190
Legal Block	3
Legal Lot Number	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	3
Census Block	3026
Census Tract	12002

Owner

Source: San Luis Obispo County records, as of August 6, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	435 S 12TH ST, GROVER BEACH, CA 93433-2430
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2026	Grant Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Sep 12, 2022	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Mar 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC
Aug 10, 2018	Deed of Trust, Mortgage · Conventional with PMI LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2026 · Amount on Record
Deed Sale	Jul 22, 2026 · Amount on Record
Prior Sale	Sep 12, 2022 · Amount on Record
Deed Document Number	202622876
Prior Transfer Date	Apr 18, 2016
Prior Transfer Doc	0000024758
Record Updated	Oct 29, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 22, 2026
Property Address	435 S 12TH ST, GROVER BEACH, CA 93433-2430
Document Number	0000022876
Instrument Date	Jun 12, 2026
Instrument	202622876
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$91,657.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	435 S 12TH ST, GROVER BEACH, CA 93433-2430
Investor	Possibly a Property Investor

Mortgage

Document Number	0000022877,
Date	Jul 22, 2026
Instrument	202622877

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.52%
Max Rate	-1%

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 12, 2022
Property Address	435 S 12TH ST, GROVER BEACH, CA 93433-2430
Document Number	0000036308
Map Reference	MB 45 PG 94
Instrument Date	Aug 3, 2022
Instrument	2022036308
Transaction Type	Transfer
Record Updated	Sep 28, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	435 S 12TH ST, GROVER BEACH, CA 93433-2430

Mortgage

Document Number	0000036309
Date	Sep 12, 2022
Instrument	2022036309

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	435 S 12TH ST, GROVER BEACH, CA 93433-2430
Transaction Type	Mortgage
Record Updated	Jul 15, 2021
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 S 12TH ST, GROVER BEACH, CA 93433-2430

Mortgage

Document Number	0000047061
Date	Jul 2, 2021
Instrument	2021047061

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	435 S 12TH ST, GROVER BEACH, CA 93433-2430
Document Number	0000013969
Instrument Date	Mar 12, 2020
Transaction Type	Mortgage
Record Updated	Apr 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	435 S 12TH ST GROVER BEACH CA 934332430, GROVER BEACH, CA 93433-2430

Mortgage

Document Number	0000013969
Date	Mar 20, 2020
Instrument	13969

Lender

Name	SPRING EQ LLC
Address	PHILADELPHIA, PA 19104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 19, 2030

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	435 S 12TH ST, GROVER BEACH, CA 93433-2430
Document Number	0000034169
Instrument Date	Aug 10, 2018
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	435 S 12TH ST GROVER BEACH CA 934332430, GROVER BEACH, CA 93433-2430

Mortgage

Document Number	0000034169
Date	Aug 17, 2018
Instrument	34169

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 16, 2048

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of August 6, 2026

Property Jurisdictions

Type	Name
State	California
County	San Luis Obispo County
Municipality	Grover Beach City
Unified School District	Lucia Mar Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$741,783 (+2%) Land $397,953 Building $343,830
2025	$8,386.00 (+2.71%)	$727,239 (+4.04%) Land $390,150 Building $337,089
2024	$8,165.00 (+0.8%)
2023	$8,100.00 (+43.44%)	$699,000 Land $375,000 Building $324,000
2022	$5,647.00

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	1 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	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	CITY OF GROVER BEACH PUBLIC WORKS DEPT serves 12,701 people · EPA ID CA4010004
Water Source	Surface water
Last State Inspection	Sep 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 787 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Peak WiFi.

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