515 Charro Way, Nipomo, CA 93444 Property Records

San Luis Obispo County property record for 515 Charro Way, Nipomo, CA 93444

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,637 sqft · built 2000
Lot Size	0.45 acres (19,602 sqft)
Owner	Company Name on File
Last Sale	$780,000 (Jul 2018)
Tax Bill	$9,277 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Dec 2021 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`091-313-025`

Property Details

APN / Parcel Number

Primary APN	`091-313-025`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,637 sqft Living Area
1st Floor Area	2,637 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Construction Type	Wood
Lot Area	19,602 sqft (0.45 acres)
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	515 CHARRO WAY
City	NIPOMO
State	CA
Zip	93444-5738
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	TR 2304 LT 25
Legal Subdivision	TRACT NO 2304
Legal Tract	2304
Legal Block	3
Legal Lot Number	25
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	3
Census Block	3029
Census Tract	12404

Owner

515 Charro Way is owned by a company that acquired it in November 2021.

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

Owner of Record	Company Name on File
Mailing Address	515 CHARRO WAY, NIPOMO, CA 93444-5738
Owner Type	Company
Vesting	Borrower in Default

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
Dec 10, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 10, 2021	Intrafamily Transfer, Transfer SPRUCE
Aug 25, 2020	Quit Claim Deed, Transfer QUICKEN LNS
Aug 25, 2020	Quit Claim Deed, Transfer AMROCK INC
Jul 6, 2018	Grant Deed, Transfer · Conventional Mortgage ALLY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2018 · Amount on File
Deed Sale	Jul 6, 2018 · Amount on File
Prior Sale	Sep 29, 2000 · Amount on File
Deed Document Number	201827653
Last Transfer Date	Nov 16, 2021
Transfer Doc	0000080887
Record Updated	Sep 20, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 10, 2021
Property Address	515 CHARRO WAY, NIPOMO, CA 93444-5738
Document Number	0000080887
Map Reference	MB 18 PG 97
Instrument Date	Nov 16, 2021
Instrument	2021080887
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	SPRUCE 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
Relationship	Community Property with Right of Survivorship
Address	515 CHARRO WAY, NIPOMO, CA 93444-5738

Mortgage

Document Number	0000080888
Date	Dec 10, 2021
Instrument	2021080888

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2036

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 10, 2021
Property Address	515 CHARRO WAY, NIPOMO, CA 93444-5738
Document Number	0000080889
Map Reference	MB 18 PG 97
Instrument Date	Nov 16, 2021
Instrument	2021080889
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	SPRUCE

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
Relationship	Family Trust
Address	515 CHARRO WAY, NIPOMO, CA 93444-5738

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 25, 2020
Property Address	515 CHARRO WAY, NIPOMO, CA 93444-5738
Document Number	0000045219
Instrument Date	May 11, 2020
Instrument	45219
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	AMROCK INC

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	3738 W MINARETS AVE FRESNO CA 937110633, FRESNO, CA 93711-0633

Mortgage

Document Number	45220
Date	Aug 25, 2020
Instrument	45220

Lender

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

Agreement

Amount	Amount on Record
Term	180 Months
Due	Aug 24, 2035

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 25, 2020
Property Address	515 CHARRO WAY, NIPOMO, CA 93444-5738
Document Number	0000045221
Instrument Date	May 11, 2020
Instrument	45221
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	AMROCK INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3738 W MINARETS AVE FRESNO CA 937110633, FRESNO, CA 93711-0633

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 6, 2018
Property Address	515 CHARRO WAY, NIPOMO, CA 93444-5738
Document Number	0000027653
Map Reference	MB18 PG97
Instrument Date	Jun 8, 2018
Instrument	2018027653
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	3738 W MINARETS AVE, FRESNO, CA 93711-0633

Mortgage

Document Number	0000027654
Date	Jul 6, 2018
Instrument	2018027654

Lender

Name	ALLY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 515 Charro Way was $9,277, up 3.4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$887,502 (+2%) Land $341,347 Building $546,155
2025	$9,277.00 (+3.45%)	$870,101 Land $334,654 Building $535,447
2024	$8,968.00 (+1.16%)
2023	$8,865.00 (+1.53%)	$836,316 Land $321,660 Building $514,656
2022	$8,731.00

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

Flood

FEMA maps place 515 Charro Way in Zone X, an area of minimal flood risk.

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

Wildfire risk around 515 Charro Way is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 79% of California
Wildfire Likelihood	0.03% 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	NIPOMO COMM SERVICES DIST serves 13,771 people · EPA ID CA4010026
Water Source	Purchased surface water from CITY OF SANTA MARIA UTILITIES DEPARTMENT
Last State Inspection	Jun 2024
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 87 locations within half a mile, as of December 31, 2025

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

May also be available: Ranch Wifi.

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