7405 Cristobal Ave, Atascadero, CA 93422 Property Records

San Luis Obispo County property record for 7405 Cristobal Ave, Atascadero, CA 93422

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,859 sqft · built 1959
Lot Size	0.64 acres (27,878 sqft)
Owner	2 Individual Names on File
Last Sale	$414,000 (Jun 2014)
Tax Bill	$8,150 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`030-301-022`

Property Details

APN / Parcel Number

Primary APN	`030-301-022`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,859 sqft Living Area
1st Floor Area	1,859 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Construction Type	Wood
Lot Area	27,878 sqft (0.64 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	7405 CRISTOBAL AVE
City	ATASCADERO
State	CA
Zip	93422-5143
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LSFY
Legal Description	CY ATAS ATAS BL NB PTN LT 19
Legal Subdivision	ATASCADERO
Legal Block	3
Legal Lot Number	19
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ATASCADERO
Census Block Group	3
Census Block	3015
Census Tract	12601

Owner

7405 Cristobal Ave is owned and occupied by two individuals who acquired it in September 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	7405 CRISTOBAL AVE, ATASCADERO, CA 93422-5143
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2022	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Apr 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Dec 13, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
May 1, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2014 · Amount on File
Deed Sale	Jun 11, 2014 · Amount on File
Prior Sale	Oct 16, 2002 · Amount on File
Deed Document Number	201422955
Last Transfer Date	Sep 25, 2015
Transfer Doc	0000052999
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	7405 CRISTOBAL AVE, ATASCADERO, CA 93422-5143
Transaction Type	Mortgage
Record Updated	Mar 30, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7405 CRISTOBAL AVE, ATASCADERO, CA 93422-5143

Mortgage

Document Number	0000012410
Date	Mar 21, 2022
Instrument	2022012410

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 29, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	7405 CRISTOBAL AVE, ATASCADERO, CA 93422-5143
Transaction Type	Mortgage
Record Updated	Apr 21, 2021
Title Company	TITLE 500 INC, TITLE 365 INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7405 CRISTOBAL AVE, ATASCADERO, CA 93422-5143

Mortgage

Document Number	0000027368
Date	Apr 12, 2021
Instrument	2021027368

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	7405 CRISTOBAL AVE, ATASCADERO, CA 93422-5143
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000057130
Date	Dec 13, 2017
Instrument	2017057130

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Nov 16, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	7405 CRISTOBAL AVE, ATASCADERO, CA 93422-5143
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ENTITLE CORONA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028673
Date	Jul 19, 2019
Instrument	2019028673

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10006

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	7405 CRISTOBAL AVE, ATASCADERO, CA 93422-5143
Document Number	0000024026
Instrument Date	May 1, 2020
Transaction Type	Mortgage
Record Updated	May 29, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7405 CRISTOBAL AVE ATASCADERO CA 934225143, ATASCADERO, CA 93422-5143

Mortgage

Document Number	0000024026
Date	May 18, 2020
Instrument	24026

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 17, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 7405 Cristobal Ave was $8,150 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
Municipality	Atascadero City
County	San Luis Obispo County
Unified School District	Atascadero Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$588,882 (+2%) Land $187,551 Building $401,331
2025	$8,150.00 Homeowner's exemption	$577,336 Land $183,874 Building $393,462
2023	$7,739.00 (+2.26%) Homeowner's exemption	$554,920 Land $176,735 Building $378,185
2022	$7,568.00

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

Flood

FEMA maps place 7405 Cristobal Ave in Zone X, an area of moderate flood risk.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

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 7405 Cristobal Ave is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 79% of California
Wildfire Likelihood	0.03% 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	ATASCADERO MUTUAL WATER CO private · serves 33,307 people · EPA ID CA4010002
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2026) action level 15 ppb
Copper	1.5 mg/L (2018) action level 1.3 mg/L

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 414 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: Ranch Wifi, Verizon.

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