9522 Carmel Rd, Atascadero, CA 93422 Property Records

San Luis Obispo County property record for 9522 Carmel Rd, Atascadero, CA 93422

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,189 sqft · built 1966
Lot Size	4.85 acres (211,266 sqft)
Owner	2 Individual Names on File
Last Sale	$627,000 (Oct 2020)
Tax Bill	$6,300 (2025)
Deeds & Mortgages	May 2021 Mortgage Jul 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`059-071-037`

Property Details

APN / Parcel Number

Primary APN	`059-071-037`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,189 sqft Living Area
1st Floor Area	1,189 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Construction Type	Wood
Lot Area	211,266 sqft
Terrain	Combination
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	9522 CARMEL RD
City	ATASCADERO
State	CA
Zip	93422-6200
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	ATAS COL BL 70 LT 25 & PTN LT 27
Legal Subdivision	ATAS COL
Legal Block	70
Legal Lot Number	25,27
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ATASCADERO
Census Block Group	4
Census Block	4008
Census Tract	12705

Owner

9522 Carmel Rd is owned and occupied by two individuals who bought it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	9522 CARMEL RD, ATASCADERO, CA 93422-6200
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
May 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 28, 2021	Deed of Trust, Mortgage · Line of Credit AMERICAN RIVIERA BANK
Oct 30, 2020	Grant Deed, Transfer · Conventional Mortgage NATIONWIDE HOME LOANS
Aug 20, 2019	Quit Claim Deed, Transfer PUBLIC TITLE COMPANY, PUBLIC TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2020 · Amount on File
Deed Sale	Oct 30, 2020 · Amount on File
Prior Sale	Mar 21, 2014 · Amount on File
Deed Document Number	202062282
Prior Transfer Date	Aug 16, 2019
Prior Transfer Doc	0000034280
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	9522 CARMEL RD, ATASCADERO, CA 93422-6200
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	PLACER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9522 CARMEL RD, ATASCADERO, CA 93422-6200

Mortgage

Document Number	0000037603
Date	May 20, 2021
Instrument	2021037603

Lender

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

Agreement

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

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	9522 CARMEL RD, ATASCADERO, CA 93422-6200
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9522 CARMEL RD, ATASCADERO, CA 93422-6200

Mortgage

Document Number	0000053342
Date	Jul 28, 2021
Instrument	2021053342

Lender

Name	AMERICAN RIVIERA BANK
Type	Bank
Address	SANTA BARBARA, CA 93101

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 30, 2020
Property Address	9522 CARMEL RD, ATASCADERO, CA 93422-6200
Document Number	0000062282
Map Reference	DOC 200704665
Instrument Date	Oct 29, 2020
Instrument	2020062282
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	9522 CARMEL RD, ATASCADERO, CA 93422-6200

Mortgage

Document Number	0000062283
Date	Oct 30, 2020
Instrument	2020062283

Lender

Name	NATIONWIDE HOME LOANS
Type	Non-Lending Institution

Agreement

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

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 20, 2019
Property Address	9522 CARMEL RD, ATASCADERO, CA 93422-6200
Document Number	0000034280
Instrument Date	Aug 16, 2019
Instrument	34280
Transaction Type	Transfer
Record Updated	Aug 27, 2019
Title Company	PUBLIC TITLE COMPANY, PUBLIC TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	8855 ROCKY CANYON RD ATASCADERO CA 934224748, ATASCADERO, CA 93422-4748

Tax Assessment & Valuation

The 2025 property tax bill for 9522 Carmel Rd was $6,300.

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		$562,660 (+2%) Land $375,109 Building $187,551
2025	$6,300.00	$551,628 Land $367,754 Building $183,874
2023	$6,006.00 (+1.25%)	$530,210 Land $353,475 Building $176,735
2022	$5,932.00

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

Flood

FEMA maps place 9522 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 9522 Carmel Rd is high, ranking above 79% 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 79% of the US · above 57% 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 66 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
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Ranch Wifi.

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