4965 Sycamore Rd, Atascadero, CA 93422 Property Records

San Luis Obispo County property record for 4965 Sycamore Rd, Atascadero, CA 93422

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,440 sqft · built 1917
Lot Size	0.203 acres (8,848 sqft)
Owner	2 Individual Names on File
Last Sale	$139,000 (Dec 1996)
Tax Bill	$2,585 (2025)
Deeds & Mortgages	Jun 2023 Reverse Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`028-092-025`

Property Details

APN / Parcel Number

Primary APN	`028-092-025`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,440 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	8,848 sqft (0.203 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic

Location & Zoning

Street Address	4965 SYCAMORE RD
City	ATASCADERO
State	CA
Zip	93422-4347
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSFY
Legal Description	CY ATAS ATAS BL G PTN LT 5 LESS MIN RTS
Legal Subdivision	ATASCADERO
Legal Block	G
Legal Lot Number	5
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ATASCADERO
Census Block Group	1
Census Block	1038
Census Tract	12505

Owner

4965 Sycamore Rd is owned and occupied by two individuals who bought it in December 1996.

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

Owner of Record	2 Individual Names on File
Mailing Address	4965 SYCAMORE RD, ATASCADERO, CA 93422-4347
Occupancy	Owner Occupied
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
Jun 20, 2023	Deed of Trust, Mortgage · Reverse Mortgage PLAZA HOME MORTGAGE INC
Mar 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Oct 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Apr 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 1996 · Amount on File
Deed Sale	Dec 20, 1996 · Amount on File
Deed Document Number	199664684
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	4965 SYCAMORE RD, ATASCADERO, CA 93422-4347
Transaction Type	Mortgage
Record Updated	Jun 29, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4965 SYCAMORE RD, ATASCADERO, CA 93422-4347

Mortgage

Document Number	0000017336
Date	Jun 20, 2023
Instrument	2023017336

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92121

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	7.41%
Type Change Date	Aug 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.4%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	4965 SYCAMORE RD, ATASCADERO, CA 93422-4347
Transaction Type	Mortgage
Record Updated	Mar 19, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4965 SYCAMORE RD, ATASCADERO, CA 93422-4347

Mortgage

Document Number	0000018360
Date	Mar 10, 2021
Instrument	2021018360

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	118 Months
Due	Jan 1, 2031

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	4965 SYCAMORE RD, ATASCADERO, CA 93422-4347
Document Number	0000048097
Instrument Date	Oct 18, 2019
Transaction Type	Mortgage
Record Updated	Nov 8, 2019
Title Company	SPL INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4965 SYCAMORE RD ATASCADERO CA 934224347, ATASCADERO, CA 93422-4347

Mortgage

Document Number	0000048097
Date	Oct 30, 2019
Instrument	48097

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 29, 2029

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	4965 SYCAMORE RD, ATASCADERO, CA 93422-4347
Document Number	0000014780
Instrument Date	Apr 5, 2018
Transaction Type	Mortgage
Record Updated	Apr 24, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4965 SYCAMORE RD ATASCADERO CA 934224347, ATASCADERO, CA 93422-4347

Mortgage

Document Number	0000014780
Date	Apr 13, 2018
Instrument	14780

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	144 Months
Due	Apr 12, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 4965 Sycamore Rd was $2,585.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$230,882 (+2%) Land $107,964 Building $122,918
2025	$2,585.00	$226,356 Land $105,848 Building $120,508
2023	$2,464.00 (+1.23%)	$217,569 Land $101,739 Building $115,830
2022	$2,434.00

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

Flood

FEMA maps place 4965 Sycamore Rd in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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

Wildfire risk around 4965 Sycamore Rd is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · lower than 71% of California
Wildfire Likelihood	0.1% 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	ATASCADERO MUTUAL WATER CO private · serves 33,307 people · EPA ID CA4010002
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2026) action level 15 ppb
Copper	1.5 mg/L (2018) action level 1.3 mg/L

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 367 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Surfnet Communications Fixed Wireless	100 / 20
Ranch Wifi Fixed Wireless	100 / 20

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

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