765 N Ferrocarril Rd, Atascadero, CA 93422 Property Records

San Luis Obispo County property record for 765 N Ferrocarril Rd, Atascadero, CA 93422

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,041 sqft · built 2005
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on Record
Last Sale	$398,000 (Apr 2017)
Tax Bill	$7,661 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`049-044-003`

Property Details

APN / Parcel Number

Primary APN	`049-044-003`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,041 sqft Living Area
1st Floor Area	1,041 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Wood
Lot Area	20,473 sqft (0.47 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	765 N FERROCARRIL RD
City	ATASCADERO
State	CA
Zip	93422-8503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSFX
Legal Description	CY ATAS TR 2498 LT 3
Legal Subdivision	TRACT 2498
Legal Tract	2498
Legal Block	1
Legal Lot Number	3
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ATASCADERO
Census Block Group	1
Census Block	1005
Census Tract	12505

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 Record	2 Individual Names on Record
Mailing Address	765 N FERROCARRIL RD, ATASCADERO, CA 93422-8503
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2020	Deed of Trust, Mortgage · Conventional with PMI GOLDEN 1 CU
Apr 14, 2017	Grant Deed, Transfer · Conventional with PMI GOLDEN 1 CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2017 · Amount on Record
Deed Sale	Apr 14, 2017 · Amount on Record
Prior Sale	May 20, 2009 · Amount on Record
Deed Document Number	201716346
Prior Transfer Date	Mar 5, 2007
Prior Transfer Doc	0000014939
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	765 N FERROCARRIL RD, ATASCADERO, CA 93422-8503
Document Number	0000028403
Instrument Date	Jun 3, 2020
Transaction Type	Mortgage
Record Updated	Jun 19, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	765 N FERROCARRIL RD ATASCADERO CA 934228503, ATASCADERO, CA 93422-8503

Mortgage

Document Number	0000028403
Date	Jun 11, 2020
Instrument	28403

Lender

Name	GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 10, 2050

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 14, 2017
Property Address	765 N FERROCARRIL RD, ATASCADERO, CA 93422-8503
Document Number	0000016346
Instrument Date	Mar 28, 2017
Instrument	16346
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$437.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	765 N FERROCARRIL RD ATASCADERO CA 934228503, ATASCADERO, CA 93422-8503

Mortgage

Document Number	16347
Date	Apr 14, 2017
Instrument	16347

Lender

Name	GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 13, 2047

Tax Assessment & Valuation

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	Templeton Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$471,142 (+2%) Land $236,756 Building $234,386
2025	$7,661.00 (+8.61%) Homeowner's exemption	$461,905 (+4.04%) Land $232,114 Building $229,791
2023	$7,054.00 (+3.22%) Homeowner's exemption	$443,970 Land $223,101 Building $220,869
2022	$6,834.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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

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

Wildfire Risk	Moderate above 65% of the US · above 40% of California
Wildfire Likelihood	0.2% 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 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Ranch Wifi, Verizon.

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