645 Balboa St, Grover Beach, CA 93433 Property Records

San Luis Obispo County property record for 645 Balboa St, Grover Beach, CA 93433

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,170 sqft · built 1992
Lot Size	0.143 acres (6,239 sqft)
Owner	2 Trust Names on File
Tax Bill	$8,645 (2025)
Deeds & Mortgages	Oct 2026 Sale May 2026 Line of Credit + 9 more
Flood Zone	Zone X (minimal risk)
APN	`060-033-019`

Property Details

APN / Parcel Number

Primary APN	`060-033-019`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,170 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Wood
Lot Area	6,239 sqft (0.143 acres)
Terrain	Above Road/Slope
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	645 BALBOA ST
City	GROVER BEACH
State	CA
Zip	93433-1427
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY GC TR 1518 LT 46
Legal Subdivision	TRACT NO 1518
Legal Tract	1518
Legal Block	1
Legal Lot Number	46
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	1
Census Block	1001
Census Tract	12002

Owner

645 Balboa St is owner-occupied and held in a trust since September 2019.

Source: San Luis Obispo County records, as of October 16, 2026

Owner of Record	2 Trust Names on File
Mailing Address	645 BALBOA ST, GROVER BEACH, CA 93433-1427
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Oct 6, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
May 26, 2026	Deed of Trust, Mortgage · Line of Credit NATIONWIDE MORTGAGE BANKERS INC
May 24, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Apr 12, 2022	Deed of Trust, Mortgage · FHA Mortgage JEFFREY OERMAN ETAL
Jan 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage GFL CAPITAL MORTGAGE INC
Aug 25, 2021	Deed of Trust, Mortgage JEFFREY OETMAM ETAL
Jan 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Sep 30, 2019	Intrafamily Transfer, Transfer · FHA Mortgage SECURITY NATIONAL MORTGAGE CO
Sep 30, 2019	Grant Deed, Transfer FIRST AMERICAN TITLE
Sep 26, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 26, 2018	Affidavit of Death, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2019
Deed Sale	Sep 30, 2019
Prior Sale	Sep 25, 1998 · Amount on File
Deed Document Number	201941614
Prior Transfer Date	Sep 27, 2019
Prior Transfer Doc	0000041614
Record Updated	Oct 29, 2026

October 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 6, 2026
Property Address	645 BALBOA ST, GROVER BEACH, CA 93433-1427
Document Number	0000031498
Instrument Date	Aug 31, 2026
Instrument	202631498
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	645 BALBOA ST, GROVER BEACH, CA 93433-1427

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 26, 2026
Property Address	645 BALBOA ST, GROVER BEACH, CA 93433-1427
Document Number	0000016290
Instrument Date	May 12, 2026
Instrument	202616290
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 BALBOA ST, GROVER BEACH, CA 93433-1427

Mortgage

Document Number	0000016290,
Date	May 26, 2026
Instrument	202616290

Lender

Name	NATIONWIDE MORTGAGE BANKERS INC

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.3%
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	645 BALBOA ST, GROVER BEACH, CA 93433-1427
Transaction Type	Mortgage
Record Updated	Jun 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 BALBOA ST, GROVER BEACH, CA 93433-1427

Mortgage

Document Number	0000022079
Date	May 24, 2022
Instrument	2022022079

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	645 BALBOA ST, GROVER BEACH, CA 93433-1427
Transaction Type	Mortgage
Record Updated	Apr 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016286
Date	Apr 12, 2022
Instrument	2022016286

Lender

Name	JEFFREY OERMAN ETAL
Type	Private Party
Address	5895 BUTTER CUP LN, AVILA BEACH, CA 93424

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	5 Months
Due	Sep 26, 2022

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	645 BALBOA ST, GROVER BEACH, CA 93433-1427
Transaction Type	Mortgage
Record Updated	Feb 3, 2022
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 BALBOA ST, GROVER BEACH, CA 93433-1427

Mortgage

Document Number	0000003809
Date	Jan 26, 2022
Instrument	2022003809

Lender

Name	GFL CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95831

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	645 BALBOA ST, GROVER BEACH, CA 93433-1427
Transaction Type	Mortgage
Record Updated	Sep 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000058981
Date	Aug 25, 2021
Instrument	2021058981

Lender

Name	JEFFREY OETMAM ETAL
Type	Private Party
Address	5895 BUTTER CUP LN, AVILA BEACH, CA 93424

Agreement

Amount	Amount on Record

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	645 BALBOA ST, GROVER BEACH, CA 93433-1427
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 BALBOA ST, GROVER BEACH, CA 93433-1427

Mortgage

Document Number	0000006355
Date	Jan 27, 2021
Instrument	2021006355

Lender

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

Agreement

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

September 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 30, 2019
Property Address	645 BALBOA ST, GROVER BEACH, CA 93433-1427
Document Number	0000041614
Map Reference	MB 14 PG 98
Instrument Date	Sep 27, 2019
Instrument	2019041614
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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	645 BALBOA ST, GROVER BEACH, CA 93433-1427

Mortgage

Document Number	0000041615
Date	Sep 30, 2019
Instrument	2019041615

Lender

Name	SECURITY NATIONAL MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 30, 2019
Property Address	645 BALBOA ST, GROVER BEACH, CA 93433-1427
Document Number	0000041613
Map Reference	MB 14 PG 98
Instrument Date	Sep 27, 2019
Instrument	2019041613
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 BALBOA ST, GROVER BEACH, CA 93433-1427

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 26, 2018
Property Address	645 BALBOA ST, GROVER BEACH, CA 93433-1427
Document Number	0000039820
Instrument Date	Sep 13, 2018
Instrument	39820
Transaction Type	Transfer
Record Updated	Oct 5, 2018
Title Company	ATTORNEY ONLY

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	645 BALBOA ST GROVER BEACH CA 934331427, GROVER BEACH, CA 93433-1427

September 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 26, 2018
Property Address	645 BALBOA ST, GROVER BEACH, CA 93433-1427
Document Number	0000039819
Instrument Date	Sep 13, 2018
Instrument	39819
Transaction Type	Transfer
Record Updated	Oct 5, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	645 BALBOA ST GROVER BEACH CA 934331427, GROVER BEACH, CA 93433-1427

Tax Assessment & Valuation

The 2025 property tax bill for 645 Balboa St was $8,645.

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

Property Jurisdictions

Type	Name
State	California
County	San Luis Obispo County
Municipality	Grover Beach City
Unified School District	Lucia Mar Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$764,682 (+2%) Land $334,654 Building $430,028
2025	$8,645.00	$749,690 Land $328,093 Building $421,597
2023	$8,350.00 (+1.57%)	$720,580 Land $315,353 Building $405,227
2022	$8,221.00

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

Flood

FEMA maps place 645 Balboa St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 22, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 645 Balboa St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 80% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 GROVER BEACH PUBLIC WORKS DEPT serves 12,701 people · EPA ID CA4010004
Water Source	Surface water
Last State Inspection	Sep 2023
Lead	Under 1 ppb (2022–2024) 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 350 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
Surfnet Communications Fixed Wireless	100 / 20

May also be available: AT&T, Peak WiFi, Ranch Wifi, T-Mobile, Verizon.

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