643 Mitchell Dr, San Luis Obispo, CA 93401 Property Records

San Luis Obispo County property record for 643 Mitchell Dr, San Luis Obispo, CA 93401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,032 sqft · built 1953
Lot Size	0.164 acres (7,135 sqft)
Owner	2 Individual Names on Record
Last Sale	$853,000 (Sep 2025)
Tax Bill	$806 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Oct 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`004-943-004`

Property Details

APN / Parcel Number

Primary APN	`004-943-004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,032 sqft Living Area
1st Floor Area	1,032 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Lot Area	7,135 sqft (0.164 acres)

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	643 MITCHELL DR
City	SAN LUIS OBISPO
State	CA
Zip	93401-5641
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY SLO CAUD TR BL 2 LT 27
Legal Subdivision	CAUDILL
Legal Block	2
Legal Lot Number	27
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	SAN LUIS OBISPO
Census Block Group	3
Census Block	3013
Census Tract	11105

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	643 MITCHELL DR, SAN LUIS OBISPO, CA 93401-5641
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2025	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Oct 19, 2023	Intrafamily Transfer, Transfer
Mar 8, 2023	Intrafamily Transfer, Transfer
Oct 31, 2018	Quit Claim Deed, Transfer Quitclaim
Oct 30, 2018	Intrafamily Transfer, Transfer · Line of Credit SESLOC FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2025 · Amount on Record
Deed Sale	Sep 18, 2025 · Amount on Record
Deed Document Number	202527457
Prior Transfer Date	Oct 12, 2023
Prior Transfer Doc	0000031615
Record Updated	Sep 20, 2026

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 18, 2025
Property Address	643 MITCHELL DR, SAN LUIS OBISPO, CA 93401-5641
Document Number	0000027457
Map Reference	MB 3 PG 32
Instrument Date	Sep 9, 2025
Instrument	2025027457
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	643 MITCHELL DR, SAN LUIS OBISPO, CA 93401-5641

Mortgage

Document Number	0000027458
Date	Sep 18, 2025
Instrument	2025027458

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 19, 2023
Property Address	643 MITCHELL DR, SAN LUIS OBISPO, CA 93401-5641
Document Number	0000031615
Map Reference	MB 3 PG 32
Instrument Date	Oct 12, 2023
Instrument	2023031615
Transaction Type	Transfer
Record Updated	Oct 30, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	7585 PINAL AVE, ATASCADERO, CA 93422-4612

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 8, 2023
Property Address	643 MITCHELL DR, SAN LUIS OBISPO, CA 93401-5641
Document Number	0000006377
Map Reference	MB 3 PG 32
Instrument Date	Mar 2, 2023
Instrument	2023006377
Transaction Type	Transfer
Record Updated	Mar 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7585 PINAL AVE, ATASCADERO, CA 93422-4612

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 31, 2018
Property Address	643 MITCHELL DR, SAN LUIS OBISPO, CA 93401-5641
Document Number	0000045438
Instrument Date	Oct 25, 2018
Instrument	45438
Transaction Type	Transfer
Record Updated	Nov 12, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	643 MITCHELL DR SAN LUIS OBISPO CA 934015641, SAN LUIS OBISPO, CA 93401-5641

October 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 30, 2018
Property Address	643 MITCHELL DR, SAN LUIS OBISPO, CA 93401-5641
Document Number	0000045183
Map Reference	MB3 PG32
Instrument Date	Oct 25, 2018
Instrument	2018045183
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 MITCHELL DR, SAN LUIS OBISPO, CA 93401-5641

Mortgage

Document Number	0000045184
Date	Oct 30, 2018
Instrument	2018045184

Lender

Name	SESLOC FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	San Luis Obispo City
Unified School District	San Luis Coastal Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$81,789 (+2%) Land $20,004 Building $61,785
2025	$806.00 (-5.51%) Homeowner's exemption	$80,186 (+4.04%) Land $19,612 Building $60,574
2023	$853.00 (+17.66%)	$77,074 Land $18,851 Building $58,223
2022	$725.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	6 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	SAN LUIS OBISPO WATER DEPARTMENT serves 49,534 people · EPA ID CA4010009
Water Source	Surface water
Last State Inspection	Oct 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 526 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
Verizon Fixed Wireless	300 / 20
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Astound Broadband, AT&T, Peak WiFi.

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