545 Charro Way, Nipomo, CA 93444 Property Records

San Luis Obispo County property record for 545 Charro Way, Nipomo, CA 93444

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,059 sqft · built 2001
Lot Size	0.46 acres (20,037 sqft)
Owner	Company Name on File
Last Sale	$480,000 (Mar 2001)
Tax Bill	$7,638 (2025)
Deeds & Mortgages	Oct 2023 Transfer Oct 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`091-313-019`

Property Details

APN / Parcel Number

Primary APN	`091-313-019`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,059 sqft Living Area
1st Floor Area	3,059 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Construction Type	Wood
Lot Area	20,037 sqft (0.46 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	545 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 19
Legal Subdivision	TRACT 2304
Legal Tract	2304
Legal Block	3
Legal Lot Number	19
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	3
Census Block	3029
Census Tract	12404

Owner

545 Charro Way is owned by a company that acquired it in September 2023 and is owner-occupied.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	545 CHARRO WAY, NIPOMO, CA 93444-5738
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2023	Affidavit of Death of Joint Tenant, Transfer
Oct 4, 2023	Intrafamily Transfer, Transfer
Apr 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2001 · Amount on File
Deed Sale	Mar 9, 2001 · Amount on File
Prior Sale	Dec 21, 1999 · Amount on File
Deed Document Number	200114416
Last Transfer Date	Sep 28, 2023
Transfer Doc	0000029186
Record Updated	Oct 29, 2026

October 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 4, 2023
Property Address	545 CHARRO WAY, NIPOMO, CA 93444-5738
Document Number	0000029186
Map Reference	MB 18 PG 97
Instrument Date	Sep 28, 2023
Instrument	2023029186
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 CHARRO WAY, NIPOMO, CA 93444-5738

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 4, 2023
Property Address	545 CHARRO WAY, NIPOMO, CA 93444-5738
Document Number	0000029187
Map Reference	MB 18 PG 97
Instrument Date	Sep 28, 2023
Instrument	2023029187
Transaction Type	Transfer
Record Updated	Oct 12, 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	Revocable Trust
Address	545 CHARRO WAY, NIPOMO, CA 93444-5738

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	545 CHARRO WAY, NIPOMO, CA 93444-5738
Transaction Type	Mortgage
Record Updated	May 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 CHARRO WAY, NIPOMO, CA 93444-5738

Mortgage

Document Number	0000030182
Date	Apr 22, 2021
Instrument	2021030182

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 545 Charro Way was $7,638 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		$737,571 (+2%) Land $245,904 Building $491,667
2025	$7,638.00 Homeowner's exemption	$723,110 Land $241,083 Building $482,027
2023	$7,296.00 (+1.54%) Homeowner's exemption	$695,032 Land $231,722 Building $463,310
2022	$7,185.00

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

Flood

FEMA maps place 545 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 545 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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