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545 Sebastian Way, Nipomo, CA 93444 Property Records

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

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,106 sqft · built 1995
Lot Size0.138 acres (6,000 sqft)
Owner2 Individual Names on Record
Last Sale$390,000 (Aug 2020)
Tax Bill$5,501 (2025)
Deeds & MortgagesAug 2021 Mortgage
Aug 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN092-183-028

Property Details

APN / Parcel Number

Primary APN092-183-028

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms5 Rooms
Stories1 Story
Building Area1,106 sqft Living Area
1st Floor Area1,106 sqft

Exterior

Year BuiltBuilt 1995
Effective Year BuiltEffective 1995
Construction TypeWood
Lot Area6,000 sqft (0.138 acres)
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemForced Air with A/C
SewerConnected

Location & Zoning

Street Address545 SEBASTIAN WAY
CityNIPOMO
StateCA
Zip93444-5500
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRSF
Legal DescriptionTR 1898-2 LT 73
Legal SubdivisionTRACT 1898 PH II
Legal Tract1898-2
Legal Block2
Legal Lot Number73
JurisdictionSAN LUIS OBISPO CA
Township / Civil DivisionARROYO GRANDE
Census Block Group2
Census Block2000
Census Tract12405

Owner

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 Record2 Individual Names on Record
Mailing Address545 SEBASTIAN WAY, NIPOMO, CA 93444-5500
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 17, 2021Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Aug 18, 2020Grant Deed, Transfer · FHA Mortgage
FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 18, 2020 · Amount on Record
Deed SaleAug 18, 2020 · Amount on Record
Prior SaleJul 18, 2014 · Amount on Record
Deed Document Number202043557
Prior Transfer DateFeb 22, 2005
Prior Transfer Doc0000015620
Record UpdatedOct 29, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN LUIS OBISPO CA
Property Address545 SEBASTIAN WAY, NIPOMO, CA 93444-5500
Transaction TypeMortgage
Record UpdatedAug 25, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address545 SEBASTIAN WAY, NIPOMO, CA 93444-5500

Mortgage

Document Number0000057077
DateAug 17, 2021
Instrument2021057077
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term352 Months
DueDec 1, 2050

August 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN LUIS OBISPO CA
Recording DateAug 18, 2020
Property Address545 SEBASTIAN WAY, NIPOMO, CA 93444-5500
Document Number0000043557
Map ReferenceMB 17 PG 10
Instrument DateJul 23, 2020
Instrument2020043557
Transaction TypeTransfer
Record UpdatedAug 9, 2021
Title CompanyFIDELITY NATIONAL TITLE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property with Right of Survivorship
Address545 SEBASTIAN WAY, NIPOMO, CA 93444-5500

Mortgage

Document Number0000043558
DateAug 18, 2020
Instrument2020043558
Lender
NameFLAGSTAR BANK FSB
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateCalifornia
CountySan Luis Obispo County
Unified School DistrictLucia Mar Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$430,589 (+2%) Land $231,856 Building $198,733
2025$5,501.00 (+5.57%)$422,147 (+4.04%) Land $227,310 Building $194,837
2023$5,211.00 (+3.8%)$405,756 Land $218,484 Building $187,272
2022$5,020.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 22, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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

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

Wildfire RiskLow
lower than 99.8% of the US · lower than 99.8% of California
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemGOLDEN STATE WATER COMPANY - NIPOMO
private · serves 4,512 people · EPA ID CA4010018
Water SourcePurchased surface water from NIPOMO COMM SERVICES DIST
Last State InspectionSep 2023
Lead5 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 333 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Ranch Wifi
Fixed Wireless		100 / 20
Surfnet Communications
Fixed Wireless		100 / 20

May also be available: Astound Broadband, Peak WiFi, Verizon.

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