640 Gates Ct, Paso Robles, CA 93446 Property Records

San Luis Obispo County property record for 640 Gates Ct, Paso Robles, CA 93446

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,084 sqft · built 1955
Lot Size	0.207 acres (9,000 sqft)
Owner	Individual Name on Record
Last Sale	$96,000 (Dec 2008)
Tax Bill	$2,524 (2025)
Deeds & Mortgages	Aug 2025 Second Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`009-361-020`

Property Details

APN / Parcel Number

Primary APN	`009-361-020`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,084 sqft Living Area
1st Floor Area	1,084 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Construction Type	Wood
Lot Area	9,000 sqft (0.207 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	640 GATES CT
City	PASO ROBLES
State	CA
Zip	93446-2718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY PR TR 68 BL 5 LT 20 LESS MIN RTS
Legal Subdivision	TRACT 68
Legal Tract	68
Legal Block	5
Legal Lot Number	20
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	PASO ROBLES
Census Block Group	1
Census Block	1028
Census Tract	10205

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	PO BOX 210, PASO ROBLES, CA 93447-0210
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Nov 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jul 14, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2008 · Amount on Record
Deed Sale	Dec 9, 2008 · Amount on Record
Deed Document Number	200860472
Prior Transfer Date	Oct 7, 1994
Prior Transfer Doc	0000060894
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	640 GATES CT, PASO ROBLES, CA 93446-2718
Transaction Type	Mortgage
Record Updated	Oct 2, 2025
Title Company	UNKNOWN, ROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 GATES CT, PASO ROBLES, CA 93446-2718

Mortgage

Document Number	0000023784
Date	Aug 14, 2025
Instrument	2025023784

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2045

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	640 GATES CT, PASO ROBLES, CA 93446-2718
Document Number	0000054028
Instrument Date	Nov 20, 2019
Transaction Type	Mortgage
Record Updated	Dec 18, 2019
Title Company	SPL INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 GATES CT PASO ROBLES CA 934462718, PASO ROBLES, CA 93446-2718

Mortgage

Document Number	0000054028
Date	Dec 3, 2019
Instrument	54028

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2049

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	640 GATES CT, PASO ROBLES, CA 93446-2718
Document Number	0000032023
Instrument Date	Jul 14, 2017
Transaction Type	Mortgage
Record Updated	Aug 15, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 GATES CT PASO ROBLES CA 934462718, PASO ROBLES, CA 93446-2718

Mortgage

Document Number	0000032023
Date	Jul 24, 2017
Instrument	32023

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 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
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		$232,515 (+2%) Land $117,081 Building $115,434
2025	$2,524.00 (+3.27%)	$227,957 (+4.04%) Land $114,786 Building $113,171
2023	$2,444.00 (+1.54%)	$219,107 Land $110,330 Building $108,777
2022	$2,407.00

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

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 94% of the US · lower than 96% of California
Wildfire Likelihood	Under 0.01% 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	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 432 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Surfnet Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
Ranch Wifi Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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