4581 Windward Way, Paso Robles, CA 93446 Property Records

San Luis Obispo County property record for 4581 Windward Way, Paso Robles, CA 93446

Property Summary

Property Type	Mobile Home
Details	2 bd · 2 ba · 1,798 sqft · built 1978
Lot Size	0.131 acres (5,725 sqft)
Owner	Company Name on Record
Last Sale	$110,000 (Dec 1998)
Tax Bill	$1,406 (2025)
Deeds & Mortgages	Jan 2022 Reverse Mortgage Aug 2017 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`012-342-044`

Property Details

APN / Parcel Number

Primary APN	`012-342-044`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,798 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Mobile Home
Construction Type	Manufactured
Lot Area	5,725 sqft (0.131 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4581 WINDWARD WAY
City	PASO ROBLES
State	CA
Zip	93446-4105
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	RSF
Legal Description	TR 475 LT 44
Legal Subdivision	BIG VALLEY ESTATES
Legal Tract	475
Legal Block	1
Legal Lot Number	44
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	PASO ROBLES
Census Block Group	1
Census Block	1008
Census Tract	10017

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	4581 WINDWARD WAY, PASO ROBLES, CA 93446-4105
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2022	Deed of Trust, Mortgage · Reverse Mortgage THE MONEY HOUSE INC
Aug 15, 2017	Deed of Trust, Mortgage · Reverse Mortgage LIVE WELL FINANCIAL INC
Jul 13, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Aug 8, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 1998 · Amount on Record
Deed Sale	Dec 9, 1998 · Amount on Record
Prior Sale	Nov 1, 1993 · Amount on Record
Deed Document Number	199881742
Last Transfer Date	Dec 20, 2002
Transfer Doc	0000019389
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	4581 WINDWARD WAY, PASO ROBLES, CA 93446-4105
Transaction Type	Mortgage
Record Updated	Feb 1, 2022
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4581 WINDWARD WAY, PASO ROBLES, CA 93446-4105

Mortgage

Document Number	0000003659
Date	Jan 25, 2022
Instrument	2022003659

Lender

Name	THE MONEY HOUSE INC
Type	Mortgage Company
Address	ORLANDO, FL 32819

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	811 Months
Due	Aug 22, 2089

Interest

Rate Type	Adjustable Rate
Rate	1.98%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2021
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	11.9%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	4581 WINDWARD WAY, PASO ROBLES, CA 93446-4105
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	CORINTHIAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036183
Date	Aug 15, 2017
Instrument	2017036183

Lender

Name	LIVE WELL FINANCIAL INC
Type	Mortgage Company
Address	RICHMOND, VA 23225

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	864 Months
Due	Aug 22, 2089

Interest

Rate Type	Adjustable Rate
Rate	4.47%
Type Change Date	Sep 1, 2018
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	5%
Index	1-Year LIBOR

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	4581 WINDWARD WAY, PASO ROBLES, CA 93446-4105
Document Number	0000036618
Instrument Date	Jul 13, 2020
Transaction Type	Mortgage
Record Updated	Jul 29, 2020
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4581 WINDWARD WAY PASO ROBLES CA 934464105, PASO ROBLES, CA 93446-4105

Mortgage

Document Number	0000036618
Date	Jul 20, 2020
Instrument	36618

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	828 Months
Due	Jul 19, 2089

Interest

Rate Type	Adjustable Rate
Rate	2.88%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	4581 WINDWARD WAY, PASO ROBLES, CA 93446-4105
Document Number	0000036184
Instrument Date	Aug 8, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4581 WINDWARD WAY PASO ROBLES CA 934464105, PASO ROBLES, CA 93446-4105

Mortgage

Document Number	0000036184
Date	Aug 15, 2017
Instrument	36184

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	864 Months
Due	Aug 14, 2089

Interest

Rate Type	Adjustable Rate
Rate	4.47%

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
Elementary School District	San Miguel Joint Union Elementary School District (KG - 08)
Secondary School District	Paso Robles Joint Unified School District (9-12) (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$127,901 (+2%) Land $55,954 Building $71,947
2025	$1,406.00 (+6.03%) Homeowner's exemption	$125,394 (+4.04%) Land $54,857 Building $70,537
2023	$1,326.00 (-1.92%) Homeowner's exemption	$120,527 Land $52,728 Building $67,799
2022	$1,352.00

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	High above 77% of the US · above 53% of California
Wildfire Likelihood	0.5% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	HERITAGE RANCH CSD serves 2,956 people · EPA ID CA4010012
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jan 2024 Total trihalomethanes resolved · Jan 2023
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 301 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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