538 Shadow Ln, Arroyo Grande, CA 93420 Property Records

San Luis Obispo County property record for 538 Shadow Ln, Arroyo Grande, CA 93420

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 2,956 sqft · built 1981
Lot Size	2.5 acres (108,900 sqft)
Owner	Individual Name on File
Last Sale	$333,000 (Oct 2013)
Tax Bill	$5,348 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jun 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`091-402-018`

Property Details

APN / Parcel Number

Primary APN	`091-402-018`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,956 sqft Living Area
1st Floor Area	2,956 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Construction Type	Wood
Lot Area	108,900 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	538 SHADOW LN
City	ARROYO GRANDE
State	CA
Zip	93420-5713
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	RHO NIP PM 29/28 PAR C
Legal Subdivision	PARCEL MAP CO-77-140
Legal Block	2
Legal Lot Number	C
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	2
Census Block	2017
Census Tract	12306

Owner

538 Shadow Ln is owned and occupied by an individual who bought it in October 2013.

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

Owner of Record	Individual Name on File
Mailing Address	538 SHADOW LN, ARROYO GRANDE, CA 93420-5713
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
Mar 2, 2022	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Jun 4, 2019	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK
Jun 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage ETHOS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2013 · Amount on File
Deed Sale	Oct 18, 2013 · Amount on File
Deed Document Number	201359515
Prior Transfer Date	Jan 8, 2002
Prior Transfer Doc	0000003929
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	538 SHADOW LN, ARROYO GRANDE, CA 93420-5713
Transaction Type	Mortgage
Record Updated	Mar 14, 2022
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 SHADOW LN, ARROYO GRANDE, CA 93420-5713

Mortgage

Document Number	0000009493
Date	Mar 2, 2022
Instrument	2022009493

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN LUIS OBISPO CA
Property Address	538 SHADOW LN, ARROYO GRANDE, CA 93420-5713
Document Number	0000025268
Instrument Date	Jun 4, 2019
Transaction Type	Mortgage
Record Updated	Jul 9, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 SHADOW LN ARROYO GRANDE CA 934205713, ARROYO GRANDE, CA 93420-5713

Mortgage

Document Number	0000025268
Date	Jun 28, 2019
Instrument	25268

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	480 Months
Due	Jun 27, 2059

Interest

Rate	4.5%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	538 SHADOW LN, ARROYO GRANDE, CA 93420-5713
Document Number	0000028470
Instrument Date	Jun 22, 2017
Transaction Type	Mortgage
Record Updated	Jul 11, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 854 NIPOMO CA 934440854, NIPOMO, CA 93444-0854

Mortgage

Document Number	0000028470
Date	Jun 28, 2017
Instrument	28470

Lender

Name	ETHOS LNDG
Address	PITTSBURGH, PA 15212

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 27, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 538 Shadow Ln was $5,348.

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		$512,642 (+2%) Land $250,069 Building $262,573
2025	$5,348.00	$502,591 Land $245,166 Building $257,425
2023	$5,110.00 (+1.53%)	$483,077 Land $235,647 Building $247,430
2022	$5,033.00

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

Flood

FEMA maps place 538 Shadow Ln 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 538 Shadow Ln is low, with a 0.05% 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	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 70 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
Starlink Satellite	280 / 30
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Advanced Wireless, Astound Broadband, Peak WiFi.

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