San Luis Obispo County property record for 640 Heritage Ln, Arroyo Grande, CA 93420
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,895 sqft · built 1987 |
| Lot Size | 1.01 acres (43,996 sqft) |
| Owner | Company Name on File |
| Last Sale | $880,000 (Jul 2014) |
| Tax Bill | $11,255 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage May 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-251-058 |
| Primary APN | 044-251-058 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,895 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Construction Type | Wood |
| Lot Area | 43,996 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Street Address | 640 HERITAGE LN |
|---|---|
| City | ARROYO GRANDE |
| State | CA |
| Zip | 93420-5038 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | PM 37/54 PAR B |
| Legal Subdivision | PARCEL MAP CO-84-205 |
| Legal Block | 1 |
| Legal Lot Number | B |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | ARROYO GRANDE |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 12302 |
640 Heritage Ln is owned by a company that bought it in July 2014 and is owner-occupied.
Source: San Luis Obispo County records, as of August 17, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 640 HERITAGE LN, ARROYO GRANDE, CA 93420-5038 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC |
| May 23, 2018 | Deed of Trust, Mortgage · Line of Credit COASTHILLS CU |
| Apr 23, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 18, 2014 · Amount on File |
| Deed Sale | Jul 18, 2014 · Amount on File |
| Deed Document Number | 201428540 |
| Prior Transfer Date | Apr 23, 2013 |
| Prior Transfer Doc | 0000029030 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 640 HERITAGE LN, ARROYO GRANDE, CA 93420-5038 |
| Transaction Type | Mortgage |
| Record Updated | Jul 9, 2021 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 640 HERITAGE LN, ARROYO GRANDE, CA 93420-5038 |
| Document Number | 0000046484 |
|---|---|
| Date | Jun 30, 2021 |
| Instrument | 2021046484 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 640 HERITAGE LN, ARROYO GRANDE, CA 93420-5038 |
| Document Number | 0000021957 |
| Instrument Date | May 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 640 HERITAGE LN ARROYO GRANDE CA 934205038, ARROYO GRANDE, CA 93420-5038 |
| Document Number | 0000021957 |
|---|---|
| Date | May 30, 2018 |
| Instrument | 21957 |
| Name | COASTHILLS CU |
|---|---|
| Address | LOMPOC, CA 93436 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | May 29, 2043 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Apr 23, 2018 |
| Property Address | 640 HERITAGE LN, ARROYO GRANDE, CA 93420-5038 |
| Document Number | 0000016197 |
| Instrument Date | Apr 19, 2018 |
| Instrument | 16197 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 640 HERITAGE LN ARROYO GRANDE CA 934205038, ARROYO GRANDE, CA 93420-5038 |
The 2025 property tax bill for 640 Heritage Ln was $11,255.
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Unified School District | Lucia Mar Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,078,772 (+2%) Land $367,762 Building $711,010 | |
| 2025 | $11,255.00 | $1,057,620 Land $360,551 Building $697,069 |
| 2023 | $10,753.00 (+1.53%) | $1,016,552 Land $346,551 Building $670,001 |
| 2022 | $10,591.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 640 Heritage Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1995.
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 | 3 in force |
| Nearby Flood Claims | 2 (1995–2011) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Mar 2011 · rainfall accumulation |
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 risk around 640 Heritage Ln is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 63% of the US · lower than 61% of California |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 63 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Surfnet Communications Fiber · Fixed Wireless | 2,500 / 2,500 |
| Verizon Fixed Wireless | 300 / 20 |
| Peak WiFi Fixed Wireless | 100 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Advanced Wireless, Astound Broadband, Ranch Wifi, Spectrum.
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