5445 Ensenada Ave, Atascadero, CA 93422 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,458 sqft · built 1982
Lot Size	0.381 acres (16,600 sqft)
Owner	2 Individual Names on File
Last Sale	$449,000 (Sep 2016)
Tax Bill	$5,872 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jul 2021 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`028-371-006`

Property Details

APN / Parcel Number

Primary APN	`028-371-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,458 sqft Living Area
1st Floor Area	1,458 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Construction Type	Wood
Lot Area	16,600 sqft (0.381 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 ENSENADA AVE
City	ATASCADERO
State	CA
Zip	93422-4329
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LSFY
Legal Description	CY ATAS ATAS PK LT 23
Legal Subdivision	ATASCADERO PARK
Legal Block	2
Legal Lot Number	23
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ATASCADERO
Census Block Group	2
Census Block	2017
Census Tract	12502

Owner

5445 Ensenada Ave is owned and occupied by two individuals who bought it in September 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	5445 ENSENADA AVE, ATASCADERO, CA 93422-4329
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
Jan 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage KD CAPITAL MORTGAGE CORPORATION
Jul 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Aug 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage KD CAPITAL MORTGAGE CORPORATION
Oct 17, 2018	Deed of Trust, Mortgage · Commercial Mortgage TCF NATIONAL BANK
Dec 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2016 · Amount on File
Deed Sale	Sep 14, 2016 · Amount on File
Prior Sale	Jun 20, 2003 · Amount on File
Deed Document Number	201645747
Prior Transfer Date	Sep 24, 2001
Prior Transfer Doc	0000074829
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	5445 ENSENADA AVE, ATASCADERO, CA 93422-4329
Transaction Type	Mortgage
Record Updated	Jan 28, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5445 ENSENADA AVE, ATASCADERO, CA 93422-4329

Mortgage

Document Number	0000001370
Date	Jan 15, 2026
Instrument	2026001370

Lender

Name	KD CAPITAL MORTGAGE CORPORATION
Type	Mortgage Company
Address	PASO ROBLES, CA 93446

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	5445 ENSENADA AVE, ATASCADERO, CA 93422-4329
Transaction Type	Mortgage
Record Updated	Aug 3, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5445 ENSENADA AVE, ATASCADERO, CA 93422-4329

Mortgage

Document Number	0000052742
Date	Jul 26, 2021
Instrument	2021052742

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

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

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	5445 ENSENADA AVE, ATASCADERO, CA 93422-4329
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035125
Date	Aug 24, 2018
Instrument	2018035125

Lender

Name	KD CAPITAL MORTGAGE CORPORATION
Type	Mortgage Company
Address	PASO ROBLES, CA 93446

Agreement

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

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	5445 ENSENADA AVE, ATASCADERO, CA 93422-4329
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043520
Date	Oct 17, 2018
Instrument	2018043520

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 23, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	5445 ENSENADA AVE, ATASCADERO, CA 93422-4329
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5445 ENSENADA AVE, ATASCADERO, CA 93422-4329

Mortgage

Document Number	0000078186
Date	Dec 30, 2020
Instrument	2020078186

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 5445 Ensenada Ave was $5,872 with a homeowner's exemption.

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		$531,518 (+2%) Land $236,756 Building $294,762
2025	$5,872.00 Homeowner's exemption	$521,097 Land $232,114 Building $288,983
2023	$5,595.00 (+1.29%) Homeowner's exemption	$500,863 Land $223,101 Building $277,762
2022	$5,524.00

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

Flood

FEMA maps place 5445 Ensenada Ave in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	4 (1980–2017)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Feb 2017 · Flooding

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 Ensenada Ave is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 75% of California
Wildfire Likelihood	0.06% 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 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Surfnet Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, Ranch Wifi, Verizon.

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