822 Naples St, Grover Beach, CA 93433 Property Records

San Luis Obispo County property record for 822 Naples St, Grover Beach, CA 93433

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 1998
Lot Size	0.111 acres (4,831 sqft)
Owner	2 Company Names on File
Last Sale	$535,000 (Dec 2018)
Tax Bill	$6,801 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`060-573-045`

Property Details

APN / Parcel Number

Primary APN	`060-573-045`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Wood
Lot Area	4,831 sqft (0.111 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	822 NAPLES ST
City	GROVER BEACH
State	CA
Zip	93433-2934
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY GC TR 2257 LT 45
Legal Subdivision	TRACT 2257
Legal Tract	2257
Legal Block	1
Legal Lot Number	45
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	1
Census Block	1001
Census Tract	12001

Owner

822 Naples St is owned by a company that acquired it in August 2024 and is owner-occupied.

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

Owner of Record	2 Company Names on File
Mailing Address	822 NAPLES ST, GROVER BEACH, CA 93433-2934
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

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
Sep 1, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Feb 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 17, 2018	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 17, 2018	Affidavit of Death, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2018 · Amount on File
Deed Sale	Dec 17, 2018 · Amount on File
Prior Sale	Jan 8, 2015 · Amount on File
Deed Document Number	201851453
Last Transfer Date	Aug 2, 2024
Transfer Doc	0000023508
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	822 NAPLES ST, GROVER BEACH, CA 93433-2934
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	822 NAPLES ST, GROVER BEACH, CA 93433-2934

Mortgage

Document Number	0000026064
Date	Sep 1, 2023
Instrument	2023026064

Lender

Name	PNC BANK NA
Type	Bank
Address	GROVER BEACH, CA 93433

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Sep 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	822 NAPLES ST, GROVER BEACH, CA 93433-2934
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	822 NAPLES ST, GROVER BEACH, CA 93433-2934

Mortgage

Document Number	0000007497
Date	Feb 1, 2021
Instrument	2021007497

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	822 NAPLES ST, GROVER BEACH, CA 93433-2934
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023220
Date	Jun 18, 2019
Instrument	2019023220

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 17, 2018
Property Address	822 NAPLES ST, GROVER BEACH, CA 93433-2934
Document Number	0000051453
Map Reference	MB18 PG39-
Instrument Date	Dec 7, 2018
Instrument	2018051453
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE CO

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	822 NAPLES ST, GROVER BEACH, CA 93433-2934

Mortgage

Document Number	0000051454
Date	Dec 17, 2018
Instrument	2018051454

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

December 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 17, 2018
Property Address	822 NAPLES ST, GROVER BEACH, CA 93433-2934
Document Number	0000051452
Instrument Date	Dec 7, 2018
Instrument	51452
Transaction Type	Transfer
Record Updated	Dec 28, 2018
Title Company	FIRST AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	822 NAPLES ST GROVER BEACH CA 934332934, GROVER BEACH, CA 93433-2934

Tax Assessment & Valuation

The 2025 property tax bill for 822 Naples St was $6,801 with a homeowner's exemption, up 2.7% from the year before.

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		$608,734 (+2%) Land $341,347 Building $267,387
2025	$6,801.00 (+2.73%)	$596,799 Land $334,654 Building $262,145
2024	$6,620.00 (+0.82%)
2023	$6,566.00 (+1.59%) Homeowner's exemption	$573,626 Land $321,660 Building $251,966
2022	$6,463.00

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

Flood

FEMA maps place 822 Naples St in Zone X, an area of minimal 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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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

The area around 822 Naples St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 721 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
Verizon Fixed Wireless	300 / 20
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Peak WiFi.

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