9407 Carmel Rd, Atascadero, CA 93422 Property Records

San Luis Obispo County property record for 9407 Carmel Rd, Atascadero, CA 93422

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,844 sqft · built 1988
Lot Size	2.25 acres (98,010 sqft)
Owner	2 Individual Names on Record
Last Sale	$434,500 (Jul 2015)
Tax Bill	$6,748 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`059-161-032`

Property Details

APN / Parcel Number

Primary APN	`059-161-032`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,844 sqft Living Area
1st Floor Area	1,844 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Wood
Lot Area	98,010 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic

Location & Zoning

Street Address	9407 CARMEL RD
City	ATASCADERO
State	CA
Zip	93422-6206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	ATAS COL PM 40-20 PAR 2
Legal Subdivision	PARCEL MAP CO-84-146
Legal Block	4
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ATASCADERO
Census Block Group	4
Census Block	4014
Census Tract	12705

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	9407 CARMEL RD, ATASCADERO, CA 93422-6206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Feb 19, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 4, 2018	Deed of Trust, Mortgage · Conventional with PMI WFB NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2015 · Amount on Record
Deed Sale	Jul 2, 2015 · Amount on Record
Prior Sale	May 7, 2015 · Amount on Record
Deed Document Number	201532757
Last Transfer Date	Feb 13, 2020
Transfer Doc	0000007959
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	9407 CARMEL RD, ATASCADERO, CA 93422-6206
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042928
Date	Oct 7, 2019
Instrument	2019042928

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Nov 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.37%
Index	1-Year LIBOR
Max Rate	8.37%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	9407 CARMEL RD, ATASCADERO, CA 93422-6206
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9407 CARMEL RD, ATASCADERO, CA 93422-6206

Mortgage

Document Number	0000051755
Date	Sep 22, 2020
Instrument	2020051755

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 19, 2020
Property Address	9407 CARMEL RD, ATASCADERO, CA 93422-6206
Document Number	0000007959
Map Reference	MB 40 PG 20
Instrument Date	Feb 13, 2020
Instrument	2020007959
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	LAWYERS TITLE SD

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	9407 CARMEL RD, ATASCADERO, CA 93422-6206

Mortgage

Document Number	0000007960
Date	Feb 19, 2020
Instrument	2020007960

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	9407 CARMEL RD, ATASCADERO, CA 93422-6206
Document Number	0000019395
Instrument Date	May 4, 2018
Transaction Type	Mortgage
Record Updated	May 28, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9407 CARMEL RD ATASCADERO CA 934226206, ATASCADERO, CA 93422-6206

Mortgage

Document Number	0000019395
Date	May 14, 2018
Instrument	19395

Lender

Name	WFB NA
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 13, 2048

Tax Assessment & Valuation

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		$609,767 (+2%) Land $253,565 Building $356,202
2025	$6,748.00 (+4.95%) Homeowner's exemption	$597,812 (+4.04%) Land $248,594 Building $349,218
2023	$6,430.00 (+1.28%) Homeowner's exemption	$574,600 Land $238,942 Building $335,658
2022	$6,349.00

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
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

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

Wildfire Risk	High above 78% of the US · above 55% of California
Wildfire Likelihood	0.6% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 63 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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