525 Charro Way, Nipomo, CA 93444 Property Records

San Luis Obispo County property record for 525 Charro Way, Nipomo, CA 93444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,423 sqft · built 2000
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Sep 2013)
Tax Bill	$7,845 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`091-313-023`

Property Details

APN / Parcel Number

Primary APN	`091-313-023`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,423 sqft Living Area
1st Floor Area	2,423 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)
Terrain	Below Road/Slope
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	525 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 23
Legal Subdivision	TRACT 2304
Legal Tract	2304
Legal Block	3
Legal Lot Number	23
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	3
Census Block	3029
Census Tract	12404

Owner

525 Charro Way is owned and occupied by two individuals who bought it in September 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	525 CHARRO WAY, NIPOMO, CA 93444-5738
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
Feb 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Oct 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2013 · Amount on File
Deed Sale	Sep 27, 2013 · Amount on File
Prior Sale	Mar 31, 2003 · Amount on File
Deed Document Number	201355195
Prior Transfer Date	Mar 7, 2002
Prior Transfer Doc	0000020428
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	525 CHARRO WAY, NIPOMO, CA 93444-5738
Transaction Type	Mortgage
Record Updated	Nov 24, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009591
Date	Feb 28, 2020
Instrument	2020009591

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	132 Months
Due	Feb 1, 2031

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	525 CHARRO WAY, NIPOMO, CA 93444-5738
Transaction Type	Mortgage
Record Updated	Nov 24, 2021
Title Company	ORANGE COAST TITLE ONTARIO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 CHARRO WAY, NIPOMO, CA 93444-5738

Mortgage

Document Number	0000059850
Date	Oct 23, 2020
Instrument	2020059850

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	133 Months
Due	Nov 1, 2031

Tax Assessment & Valuation

The 2025 property tax bill for 525 Charro Way was $7,845.

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		$750,213 (+2%) Land $350,099 Building $400,114
2025	$7,845.00	$735,504 Land $343,235 Building $392,269
2023	$7,496.00 (+1.53%)	$706,945 Land $329,907 Building $377,038
2022	$7,383.00

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

Flood

FEMA maps place 525 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 525 Charro Way is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 80% of California
Wildfire Likelihood	0.04% 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 167 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
Surfnet Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Advanced Wireless, Peak WiFi, Ranch Wifi, Verizon.

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