580 River Oaks Dr, Paso Robles, CA 93446 Property Records

San Luis Obispo County property record for 580 River Oaks Dr, Paso Robles, CA 93446

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,497 sqft · built 2016
Lot Size	0.045 acres (1,989 sqft)
Owner	Individual Name on File
Last Sale	$397,000 (Mar 2019)
Tax Bill	$6,591 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`025-546-042`

Property Details

APN / Parcel Number

Primary APN	`025-546-042`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Building Area	1,497 sqft Living Area

Exterior

Year Built	Built 2016
Construction Type	Wood
Lot Area	1,989 sqft (0.045 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	580 RIVER OAKS DR
City	PASO ROBLES
State	CA
Zip	93446-7124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY PR TR 2887-2 LT 9
Legal Tract	2887-2
Legal Lot Number	9
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	PASO ROBLES
Census Block Group	1
Census Block	1040
Census Tract	10207

Owner

Source: San Luis Obispo County assessment roll, as of July 1, 2025

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

Owner of Record	Individual Name on File
Mailing Address	580 RIVER OAKS DR, PASO ROBLES, CA 93446-7124
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage COASTHILLS CU
Feb 23, 2022	Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB
Dec 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST DIRECT LENDING
Mar 15, 2019	Grant Deed, Transfer · FHA Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 15, 2019 · Amount on Record
Deed Sale	Mar 15, 2019 · Amount on Record
Prior Sale	Jul 27, 2016 · Amount on Record
Deed Document Number	2019009090
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	580 RIVER OAKS DR, PASO ROBLES, CA 93446-7124
Transaction Type	Mortgage
Record Updated	Sep 2, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	580 RIVER OAKS DR, PASO ROBLES, CA 93446-7124

Mortgage

Document Number	0000034027
Date	Aug 23, 2022
Instrument	2022034027

Lender

Name	COASTHILLS CU
Type	Credit Union
Address	SANTA MARIA, CA 93454

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Sep 1, 2037
Change Frequency	10 Years
Min Rate At Change	5.5%
Max Rate At Change	10.5%
Index	Other
Max Rate	10.5%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	580 RIVER OAKS DR, PASO ROBLES, CA 93446-7124
Transaction Type	Mortgage
Record Updated	Mar 2, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	580 RIVER OAKS DR, PASO ROBLES, CA 93446-7124

Mortgage

Document Number	0000008143
Date	Feb 23, 2022
Instrument	2022008143

Lender

Name	CENLAR FSB
Type	Bank
Address	TRENTON, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	326 Months
Due	Apr 1, 2049

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	580 RIVER OAKS DR, PASO ROBLES, CA 93446-7124
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000058631
Date	Dec 21, 2017
Instrument	2017058631

Lender

Name	FIRST DIRECT LENDING
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

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

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 15, 2019
Property Address	580 RIVER OAKS DR, PASO ROBLES, CA 93446-7124
Document Number	0000009090
Map Reference	MB 35 PG 43&44
Instrument Date	Jan 31, 2019
Instrument	2019009090
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	580 RIVER OAKS DR, PASO ROBLES, CA 93446-7124

Mortgage

Document Number	0000009091
Date	Mar 15, 2019
Instrument	2019009091

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	California
County	San Luis Obispo County
Municipality	El Paso De Robles (Paso Robles) City
Unified School District	Paso Robles Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$6,591.00 (+3.71%)	$442,857 (+4.04%) Land $206,369 Building $236,488
2023	$6,355.00 (+11.02%)	$425,661 Land $198,356 Building $227,305
2022	$5,724.00

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	1 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF PASO ROBLES WATER DIVISION serves 31,176 people · EPA ID CA4010007
Water Source	Surface water
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2023–2025) 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 256 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: Radiate Holdings, Verizon.

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