5550 el Pharo Dr, Paso Robles, CA 93446 Property Records

San Luis Obispo County property record for 5550 el Pharo Dr, Paso Robles, CA 93446

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,136 sqft · built 1988
Lot Size	20.1 acres (879,476 sqft)
Owner	Individual Name on Record
Last Sale	$55,500 (Jun 1994)
Tax Bill	$1,969 (2025)
Deeds & Mortgages	Apr 2023 Second Mortgage Nov 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`035-081-032`

Property Details

APN / Parcel Number

Primary APN	`035-081-032`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,136 sqft Living Area
1st Floor Area	1,136 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Wood
Lot Area	879,476 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	5550 EL PHARO DR
City	PASO ROBLES
State	CA
Zip	93446-8475
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	PM 17/54 PAR 2
Legal Subdivision	PARCEL MAP CO 74279
Legal Block	2
Legal Lot Number	19
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	PASO ROBLES
Census Block Group	2
Census Block	2178
Census Tract	10301

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	5550 EL PHARO DR, PASO ROBLES, CA 93446-8475
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2023	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage THE GOLDEN 1 CU
Nov 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 1994 · Amount on Record
Deed Sale	Jun 29, 1994 · Amount on Record
Deed Document Number	199439406
Last Transfer Date	Oct 15, 1996
Transfer Doc	0000056569
Record Updated	Sep 20, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 3, 2023
Property Address	5550 EL PHARO DR, PASO ROBLES, CA 93446-8475
Document Number	0000008990
Map Reference	MB 17 PG 54
Instrument Date	Mar 17, 2023
Instrument	2023008990
Transaction Type	Transfer
Record Updated	Apr 12, 2023
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
Address	5550 EL PHARO DR, PASO ROBLES, CA 93446-8475

Mortgage

Document Number	0000008991
Date	Apr 3, 2023
Instrument	2023008991

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 5, 2043

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	5550 EL PHARO DR, PASO ROBLES, CA 93446-8475
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047934
Date	Nov 19, 2018
Instrument	2018047934

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

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

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	5550 EL PHARO DR, PASO ROBLES, CA 93446-8475
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PROVIDENT TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019571
Date	Apr 23, 2020
Instrument	2020019571

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

Tax Assessment & Valuation

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	Paso Robles Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$193,815 (+2%) Land $70,837 Building $122,978
2025	$1,969.00 (+3.74%) Homeowner's exemption	$190,016 (+4.04%) Land $69,449 Building $120,567
2023	$1,898.00 (+1.82%) Homeowner's exemption	$182,639 Land $66,753 Building $115,886
2022	$1,864.00

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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 Risk	High above 79% of the US · above 56% of California
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Surfnet Communications Fixed Wireless	100 / 20
AT&T Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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