691 Charles St, Grover Beach, CA 93433 Property Records

San Luis Obispo County property record for 691 Charles St, Grover Beach, CA 93433

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,125 sqft · built 1962
Lot Size	0.117 acres (5,100 sqft)
Owner	Individual Name on File
Last Sale	$1,025,000 (Jun 2026)
Tax Bill	$10,018 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Sep 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`060-536-009`

Property Details

APN / Parcel Number

Primary APN	`060-536-009`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,125 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Construction Type	Wood
Lot Area	5,100 sqft (0.117 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	691 CHARLES ST
City	GROVER BEACH
State	CA
Zip	93433-1309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY GC TR 85 BL U LT 9
Legal Subdivision	85 GROVER CITY HEIGHTS 1
Legal Tract	85
Legal Block	U
Legal Lot Number	9
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	2
Census Block	2021
Census Tract	12102

Owner

691 Charles St is owned and occupied by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	691 CHARLES ST, GROVER BEACH, CA 93433-1309
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Jun 2, 2026	Grant Deed, Transfer · Conventional Mortgage KIND LENDING LLC
Sep 28, 2022	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 1, 2019	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2026 · Amount on File
Deed Sale	Jun 2, 2026 · Amount on File
Prior Sale	Sep 28, 2022 · Amount on File
Deed Document Number	202617232
Prior Transfer Date	Apr 28, 2022
Prior Transfer Doc	0000019630
Record Updated	Oct 29, 2026

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 2, 2026
Property Address	691 CHARLES ST, GROVER BEACH, CA 93433-1309
Document Number	0000017232
Instrument Date	May 14, 2026
Instrument	202617232
Transaction Type	Transfer
Record Updated	Jun 15, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$113,877.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	691 CHARLES ST, GROVER BEACH, CA 93433-1309

Mortgage

Document Number	0000017233,
Date	Jun 2, 2026
Instrument	202617233

Lender

Name	KIND LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 28, 2022
Property Address	691 CHARLES ST, GROVER BEACH, CA 93433-1309
Document Number	0000038245
Map Reference	MB 5 PG 94
Instrument Date	Sep 9, 2022
Instrument	2022038245
Transaction Type	Transfer
Record Updated	Oct 10, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	15743 FORMBY DR, LA MIRADA, CA 90638-4919

Mortgage

Document Number	0000038246
Date	Sep 28, 2022
Instrument	2022038246

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

May 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 1, 2019
Property Address	691 CHARLES ST, GROVER BEACH, CA 93433-1309
Document Number	0000015733
Instrument Date	Apr 29, 2019
Instrument	15733
Transaction Type	Transfer
Record Updated	May 10, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	691 CHARLES ST GROVER BEACH CA 934331309, GROVER BEACH, CA 93433-1309

Tax Assessment & Valuation

The 2025 property tax bill for 691 Charles St was $10,018.

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		$886,108 (+2%) Land $424,483 Building $461,625
2025	$10,018.00	$868,734 Land $416,160 Building $452,574
2023	$9,676.00 (+533.66%)	$835,000 Land $400,000 Building $435,000
2022	$1,527.00

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

Flood

FEMA maps place 691 Charles St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1998.

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	4 in force
Nearby Flood Claims	4 (1998–2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 3 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

Wildfire risk around 691 Charles St is low, with 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 80% of the US · lower than 88% of California
Wildfire Likelihood	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	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 725 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Peak WiFi, Verizon.

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