550 Honolulu Ave, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 550 Honolulu Ave, Oceano, CA 93445

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 462 sqft · built 1960
Lot Size	0.069 acres (3,000 sqft)
Owner	2 Trust Names on File
Last Sale	$535,000 (Apr 2026)
Tax Bill	$7,016 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`061-082-020`

Property Details

APN / Parcel Number

Primary APN	`061-082-020`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	462 sqft Living Area
1st Floor Area	462 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Construction Type	Wood
Lot Area	3,000 sqft (0.069 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	550 HONOLULU AVE
City	OCEANO
State	CA
Zip	93445-9728
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF
Legal Description	LAKESIDE PK BL 2 LT 10
Legal Subdivision	LAKESIDE PK
Legal Block	2
Legal Lot Number	10
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	2
Census Block	2023
Census Tract	12201

Owner

550 Honolulu Ave is held in a trust since April 2026.

Source: San Luis Obispo County records, as of August 26, 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	2 Trust Names on File
Mailing Address	3960 BLACK OAK DR, SHINGLE SPRINGS, CA 95682-9534
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2026 · Amount on File
Deed Sale	Apr 16, 2026 · Amount on File
Prior Sale	Jun 28, 2024 · Amount on File
Deed Document Number	202611657
Prior Transfer Date	Jan 18, 2011
Prior Transfer Doc	0000003670
Record Updated	Oct 29, 2026

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 16, 2026
Property Address	550 HONOLULU AVE, OCEANO, CA 93445-9728
Document Number	0000011657
Instrument Date	Mar 24, 2026
Instrument	2026.11657
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$59,438.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	3960 BLACK OAK DR, SHINGLE SPRINGS, CA 95682-9534
Investor	Possibly a Property Investor

Mortgage

Document Number	0000011658,
Date	Apr 16, 2026
Instrument	2026.11658

Lender

Special Notes	Seller Financed

Agreement

Type	Seller Carry-Back
Amount	Amount on Record

Interest

Rate	6%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 550 Honolulu Ave was $7,016, up 172.9% from the year before.

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		$572,220 (+2%) Land $442,170 Building $130,050
2025	$7,016.00 (+172.89%)	$561,000 Land $433,500 Building $127,500
2024	$2,571.00 (+1.5%)
2023	$2,533.00 (+1.69%)	$147,760 Land $123,137 Building $24,623
2022	$2,491.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 550 Honolulu Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 33 individual policies
Nearby Flood Policies	89 units insured incl. 56 condo units
Nearby Flood Claims	2 (2010)
Most Recent Claim	Dec 2010 · Severe Winter Storms, Flooding, And Debris And Mud Flows
Claims by Event	Severe Winter Storms, Flooding, And Debris And Mud Flows, Dec 2010 · 2 claims

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 550 Honolulu Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 97% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 System	OCEANO COMM SERVICES DIST. serves 7,598 people · EPA ID CA4010005
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2024–2026) 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 258 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: Astound Broadband, Peak WiFi, Verizon.

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