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

San Luis Obispo County property record for 630 River Oaks Dr, Paso Robles, CA 93446

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,919 sqft · built 2002
Lot Size	0.384 acres (16,707 sqft)
Owner	2 Individual Names on File
Last Sale	$675,000 (Dec 2020)
Tax Bill	$9,088 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`025-394-002`

Property Details

APN / Parcel Number

Primary APN	`025-394-002`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,919 sqft Living Area
1st Floor Area	2,919 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Construction Type	Wood
Lot Area	16,707 sqft (0.384 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	630 RIVER OAKS DR
City	PASO ROBLES
State	CA
Zip	93446-6337
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY PR TR 1895-2 LT 2
Legal Subdivision	TRACT 1895-2
Legal Tract	1895-2
Legal Block	1
Legal Lot Number	2
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	PASO ROBLES
Census Block Group	1
Census Block	1038
Census Tract	10207

Owner

Source: San Luis Obispo County records, as of October 9, 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 Individual Names on File
Mailing Address	630 RIVER OAKS DR, PASO ROBLES, CA 93446-6337
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2026	Deed of Trust, Mortgage · Line of Credit FINANCIAL PARTNERS CREDIT UNION
Jun 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Dec 31, 2020	Grant Deed, Transfer · Conventional Mortgage OCMBC INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2020 · Amount on File
Deed Sale	Dec 31, 2020 · Amount on File
Prior Sale	Aug 1, 2014 · Amount on File
Deed Document Number	202078661
Prior Transfer Date	May 3, 2012
Prior Transfer Doc	0000025351
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 2, 2026
Property Address	630 RIVER OAKS DR, PASO ROBLES, CA 93446-6337
Document Number	0000031222
Instrument Date	Sep 28, 2026
Instrument	202631222
Transaction Type	Mortgage
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	630 RIVER OAKS DR, PASO ROBLES, CA 93446-6337

Mortgage

Document Number	0000031222,
Date	Oct 2, 2026
Instrument	202631222

Lender

Name	FINANCIAL PARTNERS CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	630 RIVER OAKS DR, PASO ROBLES, CA 93446-6337
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	630 RIVER OAKS DR, PASO ROBLES, CA 93446-6337

Mortgage

Document Number	0000046290
Date	Jun 30, 2021
Instrument	2021046290

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 31, 2020
Property Address	630 RIVER OAKS DR, PASO ROBLES, CA 93446-6337
Document Number	0000078661
Map Reference	MB 19 PG 35
Instrument Date	Oct 9, 2020
Instrument	2020078661
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
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	Community Property with Right of Survivorship
Address	630 RIVER OAKS DR, PASO ROBLES, CA 93446-6337

Mortgage

Document Number	0000078662
Date	Dec 31, 2020
Instrument	2020078662

Lender

Name	OCMBC INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Jan 1, 2026
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	10.8%
Index	1-Year LIBOR
Margin	3
Max Rate	10.8%

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
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
2026		$745,253 (+2%) Land $276,020 Building $469,233
2025	$9,088.00 (+2.95%)	$730,641 (+4.04%) Land $270,608 Building $460,033
2023	$8,828.00 (+2.48%)	$702,270 Land $260,100 Building $442,170
2022	$8,614.00

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

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	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: Astound Broadband, Verizon.

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