San Luis Obispo County property record for 653 Truman Dr, #2, Oceano, CA 93445
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2 ba · 1,420 sqft · built 1992 |
| Lot Size | 0.023 acres (1,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $625,000 (Jan 2023) |
| Tax Bill | $7,201 (2025) |
| Deeds & Mortgages | Jan 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 061-113-049 |
| Primary APN | 061-113-049 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,420 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Condo/Apartment |
| Construction Type | Wood |
| Lot Area | 1,000 sqft (0.023 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 653 TRUMAN DR, 2 |
|---|---|
| City | OCEANO |
| State | CA |
| Zip | 93445-9609 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | RMF |
| Legal Description | PM 50-12 U2 & PTN LT 1 |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | ARROYO GRANDE |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 12201 |
653 Truman Dr, #2 is owned and occupied by an individual who bought it in January 2023.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3271 S HIGUERA ST, 102, SAN LUIS OBISPO, CA 93401-1205 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 26, 2023 · Amount on File |
| Deed Sale | Jan 26, 2023 · Amount on File |
| Deed Document Number | 20232381 |
| Prior Transfer Date | Jan 20, 2023 |
| Prior Transfer Doc | 0000002380 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Jan 26, 2023 |
| Property Address | 653 TRUMAN DR # 2, 2, OCEANO, CA 93445-9609 |
| Document Number | 0000002381 |
| Map Reference | MB 50 PG 12 |
| Instrument Date | Dec 21, 2022 |
| Instrument | 2023002381 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2023 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3271 S HIGUERA ST STE 102, 102, SAN LUIS OBISPO, CA 93401-1205 |
| Document Number | 0000002382 |
|---|---|
| Date | Jan 26, 2023 |
| Instrument | 2023002382 |
| Name | KIND LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2053 |
The 2025 property tax bill for 653 Truman Dr, #2 was $7,201 with a homeowner's exemption.
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 | $663,254 (+2%) Land $259,995 Building $403,259 | |
| 2025 | $7,201.00 Homeowner's exemption | $650,250 Land $254,898 Building $395,352 |
| 2023 | $5,190.00 (+82.3%) | $459,000 Land $178,500 Building $280,500 |
| 2022 | $2,847.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 653 Truman Dr, #2 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 |
|
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 653 Truman Dr, #2 is low, with less than a 0.01% annual chance of 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.
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 |
| 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.
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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