9290 Carmel Rd, Atascadero, CA 93422 Property Records

San Luis Obispo County property record for 9290 Carmel Rd, Atascadero, CA 93422

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,558 sqft · built 1978
Lot Size	3.33 acres (145,490 sqft)
Owner	2 Individual Names on File
Last Sale	$1,260,000 (Mar 2026)
Tax Bill	$11,787 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Mar 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`059-441-028`

Property Details

APN / Parcel Number

Primary APN	`059-441-028`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,558 sqft Living Area
1st Floor Area	2,558 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Wood
Lot Area	145,490 sqft
Terrain	Combination
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9290 CARMEL RD
City	ATASCADERO
State	CA
Zip	93422-6302
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	ATAS COL PM 21/74 PAR A
Legal Subdivision	PARCEL MAP CO 76 87
Legal Block	4
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ATASCADERO
Census Block Group	4
Census Block	4021
Census Tract	12705

Owner

9290 Carmel Rd is owned and occupied by two individuals who bought it in March 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	9290 CARMEL RD, ATASCADERO, CA 93422-6302
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
Oct 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage ASSIST HOME LOANS
Mar 31, 2026	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 6, 2019	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 29, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2026 · Amount on File
Deed Sale	Mar 31, 2026 · Amount on File
Prior Sale	Aug 6, 2019 · Amount on File
Deed Document Number	20269673
Prior Transfer Date	May 5, 2018
Prior Transfer Doc	0000021763
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	9290 CARMEL RD, ATASCADERO, CA 93422-6302
Transaction Type	Mortgage
Record Updated	Apr 14, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9290 CARMEL RD, ATASCADERO, CA 93422-6302

Mortgage

Document Number	0000072982
Date	Oct 29, 2021
Instrument	2021072982

Lender

Name	ASSIST HOME LOANS
Address	SAN LUIS OBISPO, CA 93401

Agreement

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

March 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 31, 2026
Property Address	9290 CARMEL RD, ATASCADERO, CA 93422-6302
Document Number	0000009673
Map Reference	MB 21 PG 74
Instrument Date	Mar 11, 2026
Instrument	2026009673
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	9290 CARMEL RD, ATASCADERO, CA 93422-6302

Mortgage

Document Number	0000009674
Date	Mar 31, 2026
Instrument	2026009674

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	9290 CARMEL RD, ATASCADERO, CA 93422-6302
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TTL CO IE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015860
Date	Mar 31, 2020
Instrument	2020015860

Lender

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

Agreement

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

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 6, 2019
Property Address	9290 CARMEL RD, ATASCADERO, CA 93422-6302
Document Number	0000031733
Instrument Date	Jul 23, 2019
Instrument	2019031733
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FNT SLO RASO ROBLES

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	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	9290 CARMEL RD, ATASCADERO, CA 93422-6302

Mortgage

Document Number	0000031734
Date	Aug 6, 2019
Instrument	2019031734

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 29, 2018
Property Address	9290 CARMEL RD, ATASCADERO, CA 93422-6302
Document Number	0000021763
Instrument Date	May 5, 2018
Instrument	21763
Transaction Type	Transfer
Record Updated	Jun 7, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9290 CANNEL RD ATASCADERO CA 93422, ATASCADERO, CA 93422

Tax Assessment & Valuation

The 2025 property tax bill for 9290 Carmel Rd was $11,787, up 4.9% 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	Atascadero Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,059,739 (+2%) Land $334,654 Building $725,085
2025	$11,787.00 (+4.86%) Homeowner's exemption	$1,038,961 Land $328,093 Building $710,868
2024	$11,241.00 (+0.06%)
2023	$11,234.00 (+1.27%) Homeowner's exemption	$998,618 Land $315,353 Building $683,265
2022	$11,093.00

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

Flood

FEMA maps place 9290 Carmel Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

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	1 (2023)
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

Wildfire risk around 9290 Carmel Rd is high, ranking above 80% of the US, with a 0.7% annual chance of wildfire.

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

Wildfire Risk	High above 80% of the US · above 58% of California
Wildfire Likelihood	0.7% 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 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Ranch Wifi.

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