865 Chata St, Nipomo, CA 93444 Property Records

San Luis Obispo County property record for 865 Chata St, Nipomo, CA 93444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,714 sqft · built 1998
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$518,000 (Aug 2018)
Tax Bill	$6,149 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Jun 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`092-570-004`

Property Details

APN / Parcel Number

Primary APN	`092-570-004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,714 sqft Living Area
1st Floor Area	1,714 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Wood
Lot Area	6,970 sqft (0.16 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	865 CHATA ST
City	NIPOMO
State	CA
Zip	93444-5634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TR 1901 LT 4
Legal Subdivision	TRACT 1901
Legal Tract	1901
Legal Block	4
Legal Lot Number	4
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	4
Census Block	4015
Census Tract	12404

Owner

865 Chata St is owned and occupied by two individuals who acquired it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	865 CHATA ST, NIPOMO, CA 93444-5634
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
Nov 20, 2023	Deed of Trust, Mortgage · Line of Credit GTE FCU
Jun 9, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Nov 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Oct 14, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Aug 10, 2018	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 16, 2017	Intrafamily Transfer, Transfer · Line of Credit COASTHILLS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2018 · Amount on File
Deed Sale	Aug 10, 2018 · Amount on File
Prior Sale	Dec 30, 2011 · Amount on File
Deed Document Number	201833149
Last Transfer Date	Jun 4, 2021
Transfer Doc	0000041791
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	865 CHATA ST, NIPOMO, CA 93444-5634
Transaction Type	Mortgage
Record Updated	Dec 5, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	865 CHATA ST, NIPOMO, CA 93444-5634

Mortgage

Document Number	0000034908
Date	Nov 20, 2023
Instrument	2023034908

Lender

Name	GTE FCU
Type	Credit Union
Address	TAMPA, FL 33602

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 9, 2021
Property Address	865 CHATA ST, NIPOMO, CA 93444-5634
Document Number	0000041791
Map Reference	MB 18 PG 38
Instrument Date	Jun 4, 2021
Instrument	2021041791
Transaction Type	Transfer
Record Updated	Jun 18, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	865 CHATA ST, NIPOMO, CA 93444-5634

Mortgage

Document Number	0000041792
Date	Jun 9, 2021
Instrument	2021041792

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

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

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	865 CHATA ST, NIPOMO, CA 93444-5634
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049440
Date	Nov 6, 2019
Instrument	2019049440

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

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

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 14, 2020
Property Address	865 CHATA ST, NIPOMO, CA 93444-5634
Document Number	0000057379
Map Reference	MB 18 PG 38
Instrument Date	Oct 8, 2020
Instrument	2020057379
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	865 CHATA ST, NIPOMO, CA 93444-5634

Mortgage

Document Number	0000057380
Date	Oct 14, 2020
Instrument	2020057380

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

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

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 10, 2018
Property Address	865 CHATA ST, NIPOMO, CA 93444-5634
Document Number	0000033149
Map Reference	MB18 PG38
Instrument Date	Jul 3, 2018
Instrument	2018033149
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER 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
Address	865 CHATA ST, NIPOMO, CA 93444-5634

Mortgage

Document Number	0000033150
Date	Aug 10, 2018
Instrument	2018033150

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 16, 2017
Property Address	865 CHATA ST, NIPOMO, CA 93444-5634
Document Number	0000021310
Map Reference	MB18 PG38
Instrument Date	May 8, 2017
Instrument	2017021310
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TICOR TITLE ORANGE COUNTY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	865 CHATA ST, NIPOMO, CA 93444-5634

Mortgage

Document Number	0000021311
Date	May 16, 2017
Instrument	2017021311

Lender

Name	COASTHILLS CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 15, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 865 Chata St was $6,149, up 3.5% 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
Unified School District	Lucia Mar Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$589,390 (+2%) Land $227,563 Building $361,827
2025	$6,149.00 (+3.47%)	$577,834 Land $223,101 Building $354,733
2024	$5,943.00 (+1.16%)
2023	$5,875.00 (+1.54%)	$555,398 Land $214,439 Building $340,959
2022	$5,786.00

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

Flood

FEMA maps place 865 Chata St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 22, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 865 Chata St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 97.4% of California
Wildfire Likelihood	0.01% 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	NIPOMO COMM SERVICES DIST serves 13,771 people · EPA ID CA4010026
Water Source	Purchased surface water from CITY OF SANTA MARIA UTILITIES DEPARTMENT
Last State Inspection	Jun 2024
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 402 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Surfnet Communications Fixed Wireless	100 / 20
Ranch Wifi Fixed Wireless	100 / 20

May also be available: Astound Broadband, Peak WiFi, T-Mobile.

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