528 Ave Montecito Verde, Nipomo, CA 93444 Property Records

San Luis Obispo County property record for 528 Ave Montecito Verde, Nipomo, CA 93444

Property Summary

Property Type	Single Family Home
Lot Size	0.119 acres (5,200 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,141 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`092-291-013`

Property Details

APN / Parcel Number

Primary APN	`092-291-013`

Exterior

Lot Area	5,200 sqft (0.119 acres)

Location & Zoning

Street Address	528 AVENIDA MONTECITO VERDE
City	NIPOMO
State	CA
Zip	93444-9632
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 458 LT 12 & PTN COMM AREA
Legal Subdivision	458 MONTECITO VERDE SUB
Legal Tract	458
Legal Block	1
Legal Lot Number	12
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	1
Census Block	1010
Census Tract	12405

Owner

528 Ave Montecito Verde is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	528 AVENIDA MONTECIT0 VERDE, NIPOMO, CA 93444
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Nov 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jun 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage JMAC LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	528 AVENIDA MONTECITO VERDE, NIPOMO, CA 93444-9632
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048897
Date	Nov 4, 2019
Instrument	2019048897

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	346 Months
Due	Sep 1, 2048

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	528 AVENIDA MONTECITO VERDE, NIPOMO, CA 93444-9632
Document Number	0000027926
Instrument Date	Jun 30, 2018
Transaction Type	Mortgage
Record Updated	Jul 16, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	528 AVENIDA MONTECITO VERDE NIPOMO CA 934449632, NIPOMO, CA 93444-9632

Mortgage

Document Number	0000027926
Date	Jul 9, 2018
Instrument	27926

Lender

Name	JMAC LENDING
Type	Funding / Finance Company
Address	SANTA ANA, CA 92705

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 8, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 528 Ave Montecito Verde was $1,141 with a homeowner's exemption.

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		$116,594 (+2%) Land $29,570 Building $87,024
2025	$1,141.00 Homeowner's exemption	$114,309 Land $28,991 Building $85,318
2023	$1,088.00 (+1.68%) Homeowner's exemption	$109,872 Land $27,866 Building $82,006
2022	$1,070.00

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

Flood

FEMA maps place 528 Ave Montecito Verde in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 22, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 528 Ave Montecito Verde is low, with a 0.06% 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	0.06% annual chance
Exposure	None beyond ember reach

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 299 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
Ranch Wifi Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Peak WiFi, Verizon.

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