5546 Arroyo Ave, Atascadero, CA 93422 Property Records

San Luis Obispo County property record for 5546 Arroyo Ave, Atascadero, CA 93422

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 976 sqft · built 1920
Lot Size	0.344 acres (15,000 sqft)
Owner	Company Name on Record
Last Sale	$595,000 (Dec 2022)
Tax Bill	$6,991 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Dec 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`028-321-035`

Property Details

APN / Parcel Number

Primary APN	`028-321-035`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	976 sqft Living Area
1st Floor Area	976 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Wood
Lot Area	15,000 sqft (0.344 acres)
Terrain	Above Road/Slope
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Septic

Location & Zoning

Street Address	5546 ARROYO AVE
City	ATASCADERO
State	CA
Zip	93422-3527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSFY
Legal Description	CY ATAS BL R LT 13 LESS MIN RTS IN PTN
Legal Subdivision	ATASCADERO
Legal Block	R
Legal Lot Number	13
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ATASCADERO
Census Block Group	1
Census Block	1000
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	Company Name on Record
Mailing Address	5546 ARROYO AVE, ATASCADERO, CA 93422-3527
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2024	Intrafamily Transfer, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD
Dec 1, 2022	Grant Deed, Transfer · Commercial Mortgage GARY TOLL DEFINED BENEFIT PLAN
Feb 24, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ADVANTAGEFIRST LENDING INC
Jul 23, 2018	Deed of Trust, Mortgage · FHA Mortgage HOMEWARD RESID'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2022 · Amount on Record
Deed Sale	Dec 1, 2022 · Amount on Record
Prior Sale	Jul 16, 2004 · Amount on Record
Deed Document Number	202246768
Last Transfer Date	Mar 18, 2024
Transfer Doc	0000007991
Record Updated	Sep 20, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 27, 2024
Property Address	5546 ARROYO AVE, ATASCADERO, CA 93422-3527
Document Number	0000007991
Map Reference	MB 4 PG 13
Instrument Date	Mar 18, 2024
Instrument	2024007991
Transaction Type	Transfer
Record Updated	Apr 8, 2024
Title Company	PLACER TITLE COMPANY

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	Family Trust
Address	5546 ARROYO AVE, ATASCADERO, CA 93422-3527

Mortgage

Document Number	0000007992
Date	Mar 27, 2024
Instrument	2024007992

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

December 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 1, 2022
Property Address	5546 ARROYO AVE, ATASCADERO, CA 93422-3527
Document Number	0000046768
Map Reference	MB 4 PG 13
Instrument Date	Nov 15, 2022
Instrument	2022046768
Transaction Type	Transfer
Record Updated	Aug 17, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN 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
Relationship	Family Trust
Address	1116 16TH ST, LOS OSOS, CA 93402-1420

Mortgage

Document Number	0000046769
Date	Dec 1, 2022
Instrument	2022046769

Lender

Name	GARY TOLL DEFINED BENEFIT PLAN
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 24, 2021
Property Address	5546 ARROYO AVE, ATASCADERO, CA 93422-3527
Document Number	0000014454
Map Reference	MB 4 PG 13
Instrument Date	Feb 9, 2021
Instrument	2021014454
Transaction Type	Transfer
Record Updated	Aug 17, 2023
Title Company	FIRST AMERICAN TITLE COMPANY RESID', FIRST AMER TTL CO RES DIV

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	Joint Tenants
Address	5546 ARROYO AVE, ATASCADERO, CA 93422-3527

Mortgage

Document Number	0000014455
Date	Feb 24, 2021
Instrument	2021014455

Lender

Name	ADVANTAGEFIRST LENDING INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	5546 ARROYO AVE, ATASCADERO, CA 93422-3527
Document Number	0000031569
Instrument Date	Jul 23, 2018
Transaction Type	Mortgage
Record Updated	Aug 7, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5546 ARROYO AVE ATASCADERO CA 934223527, ATASCADERO, CA 93422-3527

Mortgage

Document Number	0000031569
Date	Jul 31, 2018
Instrument	31569

Lender

Name	HOMEWARD RESID'L
Address	ADDISON, TX 75001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2048

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		$631,417 (+2%) Land $382,034 Building $249,383
2025	$6,991.00 (+4.95%) Homeowner's exemption	$619,038 (+4.04%) Land $374,544 Building $244,494
2023	$6,661.00 (+23.56%) Homeowner's exemption	$595,000 Land $360,000 Building $235,000
2022	$5,391.00

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

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 62% of the US · lower than 77% 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 367 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
Ranch Wifi Fixed Wireless	100 / 20

May also be available: Astound Broadband, T-Mobile, Verizon.

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