5445 Encino Ave, Atascadero, CA 93422 Property Records

San Luis Obispo County property record for 5445 Encino Ave, Atascadero, CA 93422

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,898 sqft · built 2006
Lot Size	0.52 acres (22,651 sqft)
Owner	Individual Name on File
Last Sale	$819,000 (Apr 2024)
Tax Bill	$10,225 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Oct 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`031-091-023`

Property Details

APN / Parcel Number

Primary APN	`031-091-023`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,898 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Wood
Lot Area	22,651 sqft (0.52 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5445 ENCINO AVE
City	ATASCADERO
State	CA
Zip	93422-3131
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CY ATAS TR 2515 LT 1
Legal Subdivision	ATASCADERO COLONY
Legal Tract	2515
Legal Block	1
Legal Lot Number	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ATASCADERO
Census Block Group	1
Census Block	1021
Census Tract	12602

Owner

5445 Encino Ave is owned and occupied by an individual who bought it in April 2024.

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

Owner of Record	Individual Name on File
Mailing Address	5445 ENCINO AVE, ATASCADERO, CA 93422-3131
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
Nov 3, 2025	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Oct 16, 2025	Deed of Trust, Mortgage · Conventional Mortgage PREFERRED VENTURES CORP
Apr 18, 2024	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Jun 30, 2021	Intrafamily Transfer, Transfer
Oct 26, 2017	Grant Deed, Transfer · Conventional Mortgage RESOURCE LENDERS INC
Dec 13, 2016	Loan Modification, Mortgage FIDELITY NATIONAL TITLE, FIDELITY TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2024 · Amount on File
Deed Sale	Apr 18, 2024 · Amount on File
Prior Sale	Oct 26, 2017 · Amount on File
Deed Document Number	202410108
Prior Transfer Date	Jun 28, 2021
Prior Transfer Doc	0000046253
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	5445 ENCINO AVE, ATASCADERO, CA 93422-3131
Transaction Type	Mortgage
Record Updated	Dec 4, 2025
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5445 ENICO AVENUE, ATASCADERO, CA 93422

Mortgage

Document Number	0000033799
Date	Nov 3, 2025
Instrument	2025033799

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Line of Credit
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	5445 ENCINO AVE, ATASCADERO, CA 93422-3131
Transaction Type	Mortgage
Record Updated	Nov 3, 2025
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5445 ENCINO AVE, ATASCADERO, CA 93422-3131

Mortgage

Document Number	0000031722
Date	Oct 16, 2025
Instrument	2025031722

Lender

Name	PREFERRED VENTURES CORP
Type	Lending Institution
Address	SHERMAN OAKS, CA 91403

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

April 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 18, 2024
Property Address	5445 ENCINO AVE, ATASCADERO, CA 93422-3131
Document Number	0000010108
Map Reference	MB 36 PG 59-62
Instrument Date	Mar 12, 2024
Instrument	2024010108
Transaction Type	Transfer
Record Updated	May 1, 2024
Title Company	FIDELITY NATIONAL TITLE, 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5445 ENCINO AVE, ATASCADERO, CA 93422-3131

Mortgage

Document Number	0000010109
Date	Apr 18, 2024
Instrument	2024010109

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 30, 2021
Property Address	5445 ENCINO AVE, ATASCADERO, CA 93422-3131
Document Number	0000046253
Map Reference	MB 36 PG 59-62
Instrument Date	Jun 28, 2021
Instrument	2021046253
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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 Revocable Trust
Address	5445 ENCINO AVE, ATASCADERO, CA 93422-3131

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 26, 2017
Property Address	5445 ENCINO AVE, ATASCADERO, CA 93422-3131
Document Number	0000049009
Map Reference	MAP36 PG59-62
Instrument Date	Oct 4, 2017
Instrument	2017049009
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 Partial Parcel

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5445 ENCINO AVE, ATASCADERO, CA 93422-3131

Mortgage

Document Number	0000049010
Date	Oct 26, 2017
Instrument	2017049010

Lender

Name	RESOURCE LENDERS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

December 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN LUIS OBISPO CA
Property Address	5445 ENCINO AVE, ATASCADERO, CA 93422-3131
Document Number	0000004193
Instrument Date	Dec 13, 2016
Transaction Type	Mortgage
Record Updated	Nov 28, 2018
Title Company	FIDELITY NATIONAL TITLE, FIDELITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	PO BOX 1958 ATASCADERO CA 934231958, ATASCADERO, CA 93423-1958

Tax Assessment & Valuation

The 2025 property tax bill for 5445 Encino Ave was $10,225.

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

Property Jurisdictions

Type	Name
State	California
Municipality	Atascadero City
County	San Luis Obispo County
Unified School District	Atascadero Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$852,087 (+2%) Land $338,130 Building $513,957
2025	$10,225.00	$835,380 Land $331,500 Building $503,880
2023	$6,695.00 (+2.59%) Homeowner's exemption	$546,820 Land $218,727 Building $328,093
2022	$6,526.00

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

Flood

FEMA maps place 5445 Encino Ave 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	2 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 5445 Encino Ave is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · lower than 66% of California
Wildfire Likelihood	0.2% 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	ATASCADERO MUTUAL WATER CO private · serves 33,307 people · EPA ID CA4010002
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2026) action level 15 ppb
Copper	1.5 mg/L (2018) action level 1.3 mg/L

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)
Astound Broadband Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Ranch Wifi.

Cell Coverage

5G (outdoors only) and 4G LTE

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