520 Karl Ct, Nipomo, CA 93444 Property Records

San Luis Obispo County property record for 520 Karl Ct, Nipomo, CA 93444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,473 sqft · built 1991
Lot Size	0.98 acres (42,689 sqft)
Owner	2 Individual Names on File
Last Sale	$1,150,000 (Oct 2022)
Tax Bill	$12,732 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`091-295-013`

Property Details

APN / Parcel Number

Primary APN	`091-295-013`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,473 sqft Living Area
1st Floor Area	2,473 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Construction Type	Wood
Lot Area	42,689 sqft (0.98 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	520 KARL CT
City	NIPOMO
State	CA
Zip	93444-9457
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	TR 1475 LT 13
Legal Subdivision	TRACT NO 1475
Legal Tract	1475
Legal Block	3
Legal Lot Number	13
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	3
Census Block	3024
Census Tract	12404

Owner

520 Karl Ct is owned and occupied by two individuals who bought it in October 2022.

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 File
Mailing Address	520 KARL CT, NIPOMO, CA 93444-9457
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2022	Grant Deed, Transfer · Conventional Mortgage JHS LENDING SERVICES INC
May 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jan 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2022 · Amount on File
Deed Sale	Oct 3, 2022 · Amount on File
Prior Sale	Jul 17, 2009 · Amount on File
Deed Document Number	202238815
Prior Transfer Date	Jun 25, 2012
Prior Transfer Doc	0000054048
Record Updated	Oct 29, 2026

October 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 3, 2022
Property Address	520 KARL CT, NIPOMO, CA 93444-9457
Document Number	0000038815
Map Reference	MB 15 PG 19
Instrument Date	Sep 23, 2022
Instrument	2022038815
Transaction Type	Transfer
Record Updated	Oct 17, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	520 KARL CT, NIPOMO, CA 93444-9457

Mortgage

Document Number	0000038816
Date	Oct 3, 2022
Instrument	2022038816

Lender

Name	JHS LENDING SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Nov 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10%
Index	Other
Margin	3
Max Rate	10%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	520 KARL CT, NIPOMO, CA 93444-9457
Transaction Type	Mortgage
Record Updated	May 20, 2021
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 KARL CT, NIPOMO, CA 93444-9457

Mortgage

Document Number	0000035458
Date	May 12, 2021
Instrument	2021035458

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	520 KARL CT, NIPOMO, CA 93444-9457
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001008
Date	Jan 10, 2018
Instrument	2018001008

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 520 Karl Ct was $12,732.

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		$1,220,388 (+2%) Land $583,664 Building $636,724
2025	$12,732.00	$1,196,460 Land $572,220 Building $624,240
2023	$12,165.00 (+49.56%)	$1,150,000 Land $550,000 Building $600,000
2022	$8,134.00

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

Flood

FEMA maps place 520 Karl Ct 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 520 Karl Ct is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 76% of California
Wildfire Likelihood	0.07% 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 262 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
T-Mobile Fixed Wireless	100 / 20
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Peak WiFi, Ranch Wifi.

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