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697 Phoebe St, Nipomo, CA 93444 Property Records

San Luis Obispo County property record for 697 Phoebe St, Nipomo, CA 93444

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,434 sqft · built 1992
Lot Size0.138 acres (6,000 sqft)
Owner2 Individual Names on Record
Last Sale$379,000 (Mar 2015)
Tax Bill$4,865 (2025)
Deeds & MortgagesOct 2022 Line of Credit
May 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN092-145-047

Property Details

APN / Parcel Number

Primary APN092-145-047

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area1,434 sqft Living Area
1st Floor Area1,434 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 1992
Construction TypeWood
Lot Area6,000 sqft (0.138 acres)
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemForced Air with A/C
SewerConnected

Location & Zoning

Street Address697 PHOEBE ST
CityNIPOMO
StateCA
Zip93444-9130
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRSF
Legal DescriptionTRACT 1640 LT 47
Legal SubdivisionTRACT 1640
Legal Tract1640
Legal Block2
Legal Lot Number47
JurisdictionSAN LUIS OBISPO CA
Township / Civil DivisionARROYO GRANDE
Census Block Group2
Census Block2010
Census Tract12404

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 Record2 Individual Names on Record
Mailing Address697 PHOEBE ST, NIPOMO, CA 93444-9130
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Oct 27, 2022Deed of Trust, Mortgage · Line of Credit
FLAGSTAR BANK FSB
May 26, 2021Intrafamily Transfer, Transfer · Conventional Mortgage
HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 19, 2015 · Amount on Record
Deed SaleMar 19, 2015 · Amount on Record
Prior SaleApr 4, 2001 · Amount on Record
Deed Document Number201511910
Last Transfer DateMay 21, 2021
Transfer Doc0000038837
Record UpdatedOct 29, 2026

October 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN LUIS OBISPO CA
Property Address697 PHOEBE ST, NIPOMO, CA 93444-9130
Transaction TypeMortgage
Record UpdatedNov 10, 2022
Title CompanyTITLE365

Transferred To (Grantee/Buyer)

NameVerified Name
Address697 PHOEBE ST, NIPOMO, CA 93444-9130

Mortgage

Document Number0000042671
DateOct 27, 2022
Instrument2022042671
Lender
NameFLAGSTAR BANK FSB
TypeBank
AddressTROY, MI 48098
Agreement
TypeLine of Credit
AmountAmount Recorded
Term361 Months
DueNov 1, 2052
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

May 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN LUIS OBISPO CA
Recording DateMay 26, 2021
Property Address697 PHOEBE ST, NIPOMO, CA 93444-9130
Document Number0000038837
Map ReferenceMB 15 PG 82
Instrument DateMay 21, 2021
Instrument2021038837
Transaction TypeTransfer
Record UpdatedJun 4, 2021
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address697 PHOEBE ST, NIPOMO, CA 93444-9130

Mortgage

Document Number0000038838
DateMay 26, 2021
Instrument2021038838
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateCalifornia
CountySan Luis Obispo County
Unified School DistrictLucia Mar Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$464,599 (+2%) Land $220,654 Building $243,945
2025$4,865.00 (+4.65%)$455,490 (+4.04%) Land $216,328 Building $239,162
2023$4,649.00 (+1.53%)$437,805 Land $207,929 Building $229,876
2022$4,579.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 99.8% of the US · lower than 99.8% of California
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemNIPOMO COMM SERVICES DIST
serves 13,771 people · EPA ID CA4010026
Water SourcePurchased surface water from CITY OF SANTA MARIA UTILITIES DEPARTMENT
Last State InspectionJun 2024
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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