581 Division St, Nipomo, CA 93444 Property Records

San Luis Obispo County property record for 581 Division St, Nipomo, CA 93444

Property Summary

Property Type	Single Family Home
Lot Size	0.168 acres (7,314 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,154 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`092-291-005`

Property Details

APN / Parcel Number

Primary APN	`092-291-005`

Exterior

Lot Area	7,314 sqft (0.168 acres)

Location & Zoning

Street Address	581 DIVISION ST
City	NIPOMO
State	CA
Zip	93444-9176
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 458 LT 4 & PTN COMM AREA
Legal Subdivision	MONTECITO VERDE SUBDIVISION
Legal Tract	458
Legal Block	1
Legal Lot Number	4
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	1
Census Block	1010
Census Tract	12405

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	2 Individual Names on Record
Mailing Address	581 DIVISION ST, NIPOMO, CA 93444-9176
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jan 27, 2017	Quit Claim Deed, Transfer · FHA Mortgage VILLAGE CAP & INVS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2017
Deed Sale	Jan 27, 2017
Prior Sale	Nov 20, 2015
Deed Document Number	20174266
Prior Transfer Date	Oct 31, 2016
Prior Transfer Doc	0000004266
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	581 DIVISION ST, NIPOMO, CA 93444-9176
Transaction Type	Mortgage
Record Updated	Feb 21, 2022
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	581 DIVISION ST, NIPOMO, CA 93444-9176

Mortgage

Document Number	0000006407
Date	Feb 10, 2022
Instrument	2022006407

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	581 DIVISION ST, NIPOMO, CA 93444-9176
Document Number	0000008682
Instrument Date	Feb 11, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	TSI ESCROW - CERRITOS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	581 DIVISION ST NIPOMO CA 934449176, NIPOMO, CA 93444-9176

Mortgage

Document Number	0000008682
Date	Feb 24, 2020
Instrument	8682

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 23, 2050

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 27, 2017
Property Address	581 DIVISION ST, NIPOMO, CA 93444-9176
Document Number	0000004266
Instrument Date	Oct 31, 2016
Instrument	4266
Transaction Type	Transfer
Record Updated	Feb 20, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	581 DIVISION ST NIPOMO CA 934449176, NIPOMO, CA 93444-9176

Mortgage

Document Number	4267
Date	Jan 27, 2017
Instrument	4267

Lender

Name	VILLAGE CAP & INVS
Type	Funding / Finance Company
Address	HENDERSON, NV 89052

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 26, 2047

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	Lucia Mar Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$117,765 (+2%) Land $28,436 Building $89,329
2025	$1,154.00 (+5%) Homeowner's exemption	$115,457 (+4.04%) Land $27,879 Building $87,578
2023	$1,099.00 (+1.67%) Homeowner's exemption	$110,976 Land $26,798 Building $84,178
2022	$1,081.00

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 minimal risk
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 65% of the US · lower than 79% of California
Wildfire Likelihood	0.06% 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	NIPOMO COMM SERVICES DIST serves 13,771 people · EPA ID CA4010026
Water Source	Purchased surface water from CITY OF SANTA MARIA UTILITIES DEPARTMENT
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2022–2024) 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 299 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
Ranch Wifi Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Peak WiFi, Verizon.

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