649 Truman Dr, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 649 Truman Dr, Oceano, CA 93445

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,560 sqft · built 1972
Lot Size	0.137 acres (6,000 sqft)
Owner	Company Name on Record
Last Sale	$670,000 (Oct 2020)
Tax Bill	$8,349 (2025)
Deeds & Mortgages	Mar 2021 Transfer Mar 2021 Transfer + 2 more
Flood Zone	Zone X (moderate risk)
APN	`061-113-015`

Property Details

APN / Parcel Number

Primary APN	`061-113-015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,560 sqft Living Area

Exterior

Year Built	Built 1972
Construction Type	Wood
Lot Area	6,000 sqft (0.137 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air
Sewer	Connected

Location & Zoning

Street Address	649 TRUMAN DR
City	OCEANO
State	CA
Zip	93445-9609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF
Legal Description	VST DEL ENCANTO BL 5 LT 11 & PTN LT 10
Legal Subdivision	VISTA DEL ENCANTO
Legal Block	5
Legal Lot Number	10,11
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	2
Census Block	2018
Census Tract	12201

Owner

Source: San Luis Obispo County records, as of September 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Co-owner	Co-owner on Record
Mailing Address	649 TRUMAN DR, OCEANO, CA 93445-9609
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2021	Intrafamily Transfer, Transfer
Mar 12, 2021	Intrafamily Transfer, Transfer
Mar 12, 2021	Intrafamily Transfer, Transfer
Oct 23, 2020	Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2020 · Amount on Record
Deed Sale	Oct 23, 2020 · Amount on Record
Prior Sale	Mar 12, 2021
Deed Document Number	0000059868
Record Updated	Jun 8, 2026

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 12, 2021
Property Address	649 TRUMAN DR, OCEANO, CA 93445-9609
Document Number	0000019030
Map Reference	MB 3 PG 95
Instrument Date	Mar 8, 2021
Instrument	2021019030
Transaction Type	Transfer
Record Updated	Aug 9, 2021

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	649 TRUMAN DR, OCEANO, CA 93445-9609

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 12, 2021
Property Address	649 TRUMAN DR, OCEANO, CA 93445-9609
Document Number	0000019031
Map Reference	MB 3 PG 95
Instrument Date	Mar 8, 2021
Instrument	2021019031
Transaction Type	Transfer
Record Updated	Aug 9, 2021

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	649 TRUMAN DR, OCEANO, CA 93445-9609

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 12, 2021
Property Address	649 TRUMAN DR, OCEANO, CA 93445-9609
Document Number	0000019029
Map Reference	MB 3 PG 95
Instrument Date	Mar 8, 2021
Instrument	2021019029
Transaction Type	Transfer
Record Updated	Jun 7, 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 Trust
Address	1138 OSAGE ST, NIPOMO, CA 93444-9237

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 23, 2020
Property Address	649 TRUMAN DR, OCEANO, CA 93445-9609
Document Number	0000059868
Instrument Date	Oct 12, 2020
Instrument	59868
Transaction Type	Transfer
Record Updated	Nov 4, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Tax	$737.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Partnership
Address	1138 OSAGE ST NIPOMO CA 934449237, NIPOMO, CA 93444-9237

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of July 1, 2025

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
2025	$8,349.00 (+4.61%) Homeowner's exemption	$757,699 (+4.04%) Land $400,498 Building $357,201
2023	$7,981.00 (+1.5%) Homeowner's exemption	$728,280 Land $384,948 Building $343,332
2022	$7,863.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 33 individual policies
Nearby Flood Policies	89 units insured incl. 56 condo units
Nearby Flood Claims	2 (2010)
Most Recent Claim	Dec 2010 · Severe Winter Storms, Flooding, And Debris And Mud Flows
Claims by Event	Severe Winter Storms, Flooding, And Debris And Mud Flows, Dec 2010 · 2 claims

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 98% of the US · lower than 98.4% 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	OCEANO COMM SERVICES DIST. serves 7,598 people · EPA ID CA4010005
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2024–2026) 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 251 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
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Peak WiFi, Verizon.

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