685 Phoebe St, Nipomo, CA 93444 Property Records

San Luis Obispo County property record for 685 Phoebe St, Nipomo, CA 93444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,224 sqft · built 1994
Lot Size	0.206 acres (9,000 sqft)
Owner	Individual Name on Record
Last Sale	$349,500 (Mar 2014)
Tax Bill	$4,577 (2025)
Deeds & Mortgages	May 2020 Mortgage Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`092-145-044`

Property Details

APN / Parcel Number

Primary APN	`092-145-044`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,224 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Construction Type	Wood
Lot Area	9,000 sqft (0.206 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air
Sewer	Connected

Location & Zoning

Street Address	685 PHOEBE ST
City	NIPOMO
State	CA
Zip	93444-9130
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TRACT 1640 LT 44
Legal Subdivision	TRACT 1640
Legal Tract	1640
Legal Lot Number	44
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	2
Census Block	2010
Census Tract	12404

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	685 PHOEBE ST, NIPOMO, CA 93444-9130
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jan 26, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2014 · Amount on Record
Deed Sale	Mar 18, 2014 · Amount on Record
Prior Sale	Mar 18, 2014 · Amount on Record
Deed Document Number	0000010252
Last Transfer Date	Jan 26, 2018
Transfer Doc	0000003374
Record Updated	Jun 7, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	685 PHOEBE ST, NIPOMO, CA 93444-9130
Document Number	0000038806
Instrument Date	May 21, 2020
Transaction Type	Mortgage
Record Updated	Aug 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	685 PHOEBE ST NIPOMO CA 934449130, NIPOMO, CA 93444-9130

Mortgage

Document Number	0000038806
Date	Jul 29, 2020
Instrument	38806

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 28, 2050

January 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 26, 2018
Property Address	685 PHOEBE ST, NIPOMO, CA 93444-9130
Document Number	0000003374
Map Reference	MB15 PG82
Instrument Date	Jan 22, 2018
Instrument	2018003374
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	685 PHOEBE ST, NIPOMO, CA 93444-9130

Mortgage

Document Number	0000003375
Date	Jan 26, 2018
Instrument	2018003375

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2033

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	$4,577.00 (+4.64%)	$428,429 (+4.04%) Land $183,874 Building $244,555
2023	$4,374.00 (+1.53%)	$411,794 Land $176,735 Building $235,059
2022	$4,308.00

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

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

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% 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	NIPOMO COMM SERVICES DIST serves 13,771 people · EPA ID CA4010026
Water Source	Purchased surface water from CITY OF SANTA MARIA UTILITIES DEPARTMENT
Last State Inspection	Jun 2024
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 456 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
Ranch Wifi Fixed Wireless	100 / 20
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Astound Broadband, Peak WiFi, T-Mobile.

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