5485 Ensenada Ave, Atascadero, CA 93422 Property Records

San Luis Obispo County property record for 5485 Ensenada Ave, Atascadero, CA 93422

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,046 sqft · built 1946
Lot Size	0.128 acres (5,560 sqft)
Owner	Individual Name on Record
Last Sale	$420,000 (Feb 2020)
Tax Bill	$5,166 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2018 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`028-371-028`

Property Details

APN / Parcel Number

Primary APN	`028-371-028`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,046 sqft Living Area
1st Floor Area	1,046 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Construction Type	Wood
Lot Area	5,560 sqft (0.128 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	5485 ENSENADA AVE
City	ATASCADERO
State	CA
Zip	93422-4324
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MF10
Legal Description	CY ATAS ATAS PK PTN LTS 25 & 26 LESS M/R IN PTN
Legal Subdivision	ATASCADERO PARK
Legal Block	2
Legal Lot Number	25,26
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ATASCADERO
Census Block Group	2
Census Block	2017
Census Tract	12502

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	5485 ENSENADA AVE, ATASCADERO, CA 93422-4324
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION
Oct 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage KD CAPITAL MORTGAGE CORPORATION
Feb 20, 2020	Grant Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Sep 18, 2017	Loan Modification, Mortgage

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 20, 2020 · Amount on Record
Deed Sale	Feb 20, 2020 · Amount on Record
Prior Sale	Jun 6, 2002 · Amount on Record
Deed Document Number	20208252
Prior Transfer Date	Nov 13, 2015
Prior Transfer Doc	0000058255
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 28, 2026
Property Address	5485 ENSENADA AVE, ATASCADERO, CA 93422-4324
Document Number	0000023895
Instrument Date	Jul 21, 2026
Instrument	202623895
Transaction Type	Mortgage
Record Updated	Aug 5, 2026
Title Company	TITLE365 - OMAHA, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5485 ENSENADA AVE, ATASCADERO, CA 93422-4324

Mortgage

Document Number	0000023895,
Date	Jul 28, 2026
Instrument	202623895

Lender

Name	THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 27, 2046

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	5485 ENSENADA AVE, ATASCADERO, CA 93422-4324
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044883
Date	Oct 26, 2018
Instrument	2018044883

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 20, 2020
Property Address	5485 ENSENADA AVE, ATASCADERO, CA 93422-4324
Document Number	0000008252
Map Reference	MB 4 PG 74
Instrument Date	Feb 7, 2020
Instrument	2020008252
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
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	9 QUAIL RIDGE DR, ATASCADERO, CA 93422-4558

Mortgage

Document Number	0000008253
Date	Feb 20, 2020
Instrument	2020008253

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

September 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN LUIS OBISPO CA
Property Address	5485 ENSENADA AVE, ATASCADERO, CA 93422-4324
Document Number	0000043500
Instrument Date	Sep 18, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	5485 ENSENADA AVE ATASCADERO CA 934224324, ATASCADERO, CA 93422-4324

Tax Assessment & Valuation

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		$468,511 (+2%) Land $278,876 Building $189,635
2025	$5,166.00 (+4.96%) Homeowner's exemption	$459,325 (+4.04%) Land $273,408 Building $185,917
2023	$4,922.00 (+1.28%) Homeowner's exemption	$441,492 Land $262,793 Building $178,699
2022	$4,860.00

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 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

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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