7470 Encinal Ave, Atascadero, CA 93422 Property Records

San Luis Obispo County property record for 7470 Encinal Ave, Atascadero, CA 93422

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,820 sqft · built 1982
Lot Size	2.98 acres (130,244 sqft)
Owner	Individual Name on File
Last Sale	$504,000 (Aug 2018)
Tax Bill	$6,341 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`030-031-018`

Property Details

APN / Parcel Number

Primary APN	`030-031-018`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,820 sqft Living Area
1st Floor Area	3,820 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Construction Type	Wood
Lot Area	130,244 sqft
Terrain	Steep
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7470 ENCINAL AVE
City	ATASCADERO
State	CA
Zip	93422-7652
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSFY
Legal Description	CY ATAS PM 17/99 PAR 4
Legal Subdivision	ATASCADERO
Legal Block	3
Legal Lot Number	29
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ATASCADERO
Census Block Group	3
Census Block	3013
Census Tract	12502

Owner

7470 Encinal Ave is owned and occupied by an individual who bought it in August 2018.

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

Owner of Record	Individual Name on File
Mailing Address	7470 ENCINAL AVE, ATASCADERO, CA 93422-7652
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Oct 3, 2019	Deed of Trust, Mortgage · Conventional with PMI JMAC LENDING
Aug 30, 2018	Affidavit of Death, Transfer PLACER TITLE COMPANY, PLACER TITLE CO.
Aug 30, 2018	Affidavit of Death, Transfer PLACER TITLE COMPANY, PLACER TITLE CO.
Aug 30, 2018	Grant Deed, Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2018 · Amount on File
Deed Sale	Aug 30, 2018 · Amount on File
Deed Document Number	201836036
Prior Transfer Date	Jul 25, 2018
Prior Transfer Doc	0000030813
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	7470 ENCINAL AVE, ATASCADERO, CA 93422-7652
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7470 ENCINAL AVE, ATASCADERO, CA 93422-7652

Mortgage

Document Number	0000056989
Date	Oct 13, 2020
Instrument	2020056989

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	7470 ENCINAL AVE, ATASCADERO, CA 93422-7652
Document Number	0000044801
Instrument Date	Oct 3, 2019
Transaction Type	Mortgage
Record Updated	Oct 24, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7470 ENCINAL AVE ATASCADERO CA 934227652, ATASCADERO, CA 93422-7652

Mortgage

Document Number	0000044801
Date	Oct 11, 2019
Instrument	44801

Lender

Name	JMAC LENDING
Type	Funding / Finance Company
Address	SANTA ANA, CA 92705

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 10, 2049

August 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 30, 2018
Property Address	7470 ENCINAL AVE, ATASCADERO, CA 93422-7652
Document Number	0000036038
Instrument Date	Jul 23, 2018
Instrument	36038
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	PO BOX 1873 FRAZIER PARK CA 932251873, FRAZIER PARK, CA 93225-1873

August 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 30, 2018
Property Address	7470 ENCINAL AVE, ATASCADERO, CA 93422-7652
Document Number	0000036037
Instrument Date	Jul 16, 2018
Instrument	36037
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	PO BOX 1873 FRAZIER PARK CA 932251873, FRAZIER PARK, CA 93225-1873

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 30, 2018
Property Address	7470 ENCINAL AVE, ATASCADERO, CA 93422-7652
Document Number	0000036036
Instrument Date	Jul 16, 2018
Instrument	36036
Transaction Type	Transfer
Record Updated	Sep 12, 2018
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$554.40
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7470 ENCINAL AVE ATASCADERO CA 934227652, ATASCADERO, CA 93422-7652

Mortgage

Document Number	36039
Date	Aug 30, 2018
Instrument	36039

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 29, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 7470 Encinal Ave was $6,341 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		$573,458 (+2%) Land $284,453 Building $289,005
2025	$6,341.00 Homeowner's exemption	$562,215 Land $278,876 Building $283,339
2023	$6,042.00 (+1.27%) Homeowner's exemption	$540,386 Land $268,048 Building $272,338
2022	$5,966.00

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

Flood

FEMA maps place 7470 Encinal Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1980.

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	6 in force
Nearby Flood Claims	2 (1980–1998)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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 7470 Encinal Ave is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · lower than 71% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 197 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 / 35
Surfnet Communications Fixed Wireless	100 / 20
Ranch Wifi Fixed Wireless	100 / 20

May also be available: Verizon.

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