675 Nacimiento Lake Dr, Paso Robles, CA 93446 Property Records

San Luis Obispo County property record for 675 Nacimiento Lake Dr, Paso Robles, CA 93446

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,662 sqft · built 1989
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$640,000 (May 2019)
Tax Bill	$7,684 (2025)
Deeds & Mortgages	Jan 2022 Mortgage May 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`026-301-012`

Property Details

APN / Parcel Number

Primary APN	`026-301-012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,662 sqft Living Area
1st Floor Area	1,662 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Construction Type	Wood
Lot Area	435,600 sqft
Terrain	Above Road/Slope
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	675 NACIMIENTO LAKE DR
City	PASO ROBLES
State	CA
Zip	93446-9734
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	T26S R12E NE 1/4 NW 1/4 NE 1/4 SEC 30
Legal Block	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	PASO ROBLES
Census Block Group	1
Census Block	1003
Census Tract	10101

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	675 NACIMIENTO LAKE DR, PASO ROBLES, CA 93446-9734
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
May 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE HOME MORTGAGE LLC
Aug 31, 2020	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
May 8, 2019	Grant Deed, Transfer · ARM COMMERCE MORTGAGE
Dec 18, 2018	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2019 · Amount on Record
Deed Sale	May 8, 2019 · Amount on Record
Prior Sale	Jun 16, 1995 · Amount on Record
Deed Document Number	201916825
Prior Transfer Date	May 12, 2004
Prior Transfer Doc	0000046700
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	675 NACIMIENTO LAKE DR, PASO ROBLES, CA 93446-9734
Transaction Type	Mortgage
Record Updated	Feb 2, 2022
Title Company	NORTH AMERICAN TITLE MAIN, NORTH AMERICAN TITLE CA WALN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4808 MCDONELL AVE, OAKLAND, CA 94619-3006

Mortgage

Document Number	0000003317
Date	Jan 24, 2022
Instrument	2022003317

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	675 NACIMIENTO LAKE DR, PASO ROBLES, CA 93446-9734
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025612
Date	May 27, 2020
Instrument	2020025612

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company
Address	IRVINE, CA 92606

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	675 NACIMIENTO LAKE DR, PASO ROBLES, CA 93446-9734
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4808 MCDONELL AVE, OAKLAND, CA 94619-3006

Mortgage

Document Number	0000046631
Date	Aug 31, 2020
Instrument	2020046631

Lender

Name	UMPQUA BANK
Type	Bank
Address	WALNUT CREEK, CA 94596

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 8, 2019
Property Address	675 NACIMIENTO LAKE DR, PASO ROBLES, CA 93446-9734
Document Number	0000016825
Instrument Date	Apr 18, 2019
Instrument	2019016825
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER TITLE COMPANY PASO

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	4808 MCDONELL AVE, OAKLAND, CA 94619-3006

Mortgage

Document Number	0000016826
Date	May 8, 2019
Instrument	2019016826

Lender

Name	COMMERCE MORTGAGE
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.12%
Index	1-Year LIBOR
Max Rate	9.12%

December 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 18, 2018
Property Address	675 NACIMIENTO LAKE DR, PASO ROBLES, CA 93446-9734
Document Number	0000051806
Instrument Date	Dec 11, 2018
Instrument	51806
Transaction Type	Transfer
Record Updated	Dec 31, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	685 NACIMIENTO LAKE DR HERITAGE RANCH CA 934469734, HERITAGE RANCH, CA 93446-9734

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
Unified School District	Paso Robles Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$728,204 (+2%) Land $398,237 Building $329,967
2025	$7,684.00 (+3.6%)	$713,927 (+4.04%) Land $390,429 Building $323,498
2023	$7,417.00 (+1.74%)	$686,206 Land $375,269 Building $310,937
2022	$7,290.00

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	2 (1983–1995)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 1995 · Severe Winter Storms, Flooding Landslides, Mud Flow

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	High above 83% of the US · above 62% of California
Wildfire Likelihood	0.6% 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Surfnet Communications Fixed Wireless	100 / 20
Ranch Wifi Fixed Wireless	100 / 20

May also be available: AT&T, T-Mobile.

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