644 Moss Ln, Nipomo, CA 93444 Property Records

San Luis Obispo County property record for 644 Moss Ln, Nipomo, CA 93444

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,004 sqft · built 1959
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on File
Last Sale	$305,500 (Apr 2019)
Tax Bill	$3,552 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`090-304-013`

Property Details

APN / Parcel Number

Primary APN	`090-304-013`
Alternative APN	`090301019`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,004 sqft Living Area
1st Floor Area	1,004 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Construction Type	Wood
Lot Area	7,000 sqft (0.161 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Well

Location & Zoning

Street Address	644 MOSS LN
City	NIPOMO
State	CA
Zip	93444-9709
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RHO NIPOMO PTN LT 29
Legal Subdivision	HC WARDS SUB
Legal Block	1
Legal Lot Number	29
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	1
Census Block	1107
Census Tract	12306

Owner

644 Moss Ln is owned and occupied by an individual who bought it in April 2019.

Source: San Luis Obispo County records, as of August 6, 2026

Owner of Record	Individual Name on File
Mailing Address	644 MOSS LN, NIPOMO, CA 93444-9709
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 16, 2019	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2019 · Amount on File
Deed Sale	Apr 16, 2019 · Amount on File
Deed Document Number	201913463
Prior Transfer Date	Feb 8, 2012
Prior Transfer Doc	0000007368
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	644 MOSS LN, NIPOMO, CA 93444-9709
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 MOSS LN, NIPOMO, CA 93444-9709

Mortgage

Document Number	0000069776
Date	Nov 30, 2020
Instrument	2020069776

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 16, 2019
Property Address	644 MOSS LN, NIPOMO, CA 93444-9709
Document Number	0000013463
Instrument Date	Mar 6, 2019
Instrument	2019013463
Transaction Type	Transfer
Record Updated	Aug 9, 2021
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	644 MOSS LN, NIPOMO, CA 93444-9709

Mortgage

Document Number	0000013464
Date	Apr 16, 2019
Instrument	2019013464

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Interest

Tax Assessment & Valuation

The 2025 property tax bill for 644 Moss Ln was $3,552 with a homeowner's exemption.

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		$347,601 (+2%) Land $210,496 Building $137,105
2025	$3,552.00 Homeowner's exemption	$340,786 Land $206,369 Building $134,417
2023	$3,391.00 (+1.59%) Homeowner's exemption	$327,555 Land $198,356 Building $129,199
2022	$3,338.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 644 Moss Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

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
Flood Insurance Cost	Premium on File median of 16 policies
Nearby Flood Policies	16 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

Wildfire risk around 644 Moss Ln is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 73% of California
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 60 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Advanced Wireless.

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