101 Howard Ave, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 101 Howard Ave, Los Osos, CA 93402

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,922 sqft · built 1978
Lot Size	0.154 acres (6,720 sqft)
Owner	2 Individual Names on Record
Last Sale	$810,000 (Jul 2020)
Tax Bill	$12,286 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`074-445-014`

Property Details

APN / Parcel Number

Primary APN	`074-445-014`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,922 sqft Living Area
1st Floor Area	1,922 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Wood
Lot Area	6,720 sqft (0.154 acres)
Terrain	Above Road/Slope
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	101 HOWARD AVE
City	LOS OSOS
State	CA
Zip	93402-2321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TR 287 BL 2 LT 14
Legal Subdivision	SUNSET TERRACE
Legal Tract	287
Legal Block	2
Legal Lot Number	14
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1014
Census Tract	10707

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	101 HOWARD AVE, LOS OSOS, CA 93402-2321
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2022	Deed of Trust, Mortgage · Line of Credit COASTHILLS CU
Aug 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 28, 2020	Affidavit of Death, Transfer STEWART TITLE, STEWART TITLE/CA
Jul 28, 2020	Grant Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2020 · Amount on Record
Deed Sale	Jul 28, 2020 · Amount on Record
Prior Sale	Aug 15, 2012 · Amount on Record
Deed Document Number	202038688
Prior Transfer Date	Jun 29, 2020
Prior Transfer Doc	0000038686
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	101 HOWARD AVE, LOS OSOS, CA 93402-2321
Transaction Type	Mortgage
Record Updated	Sep 15, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 HOWARD AVE, LOS OSOS, CA 93402-2321

Mortgage

Document Number	0000035295
Date	Sep 2, 2022
Instrument	2022035295

Lender

Name	COASTHILLS CU
Type	Credit Union
Address	SANTA MARIA, CA 93454

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	101 HOWARD AVE, LOS OSOS, CA 93402-2321
Transaction Type	Mortgage
Record Updated	Aug 24, 2021
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 HOWARD AVE, LOS OSOS, CA 93402-2321

Mortgage

Document Number	0000056313
Date	Aug 12, 2021
Instrument	2021056313

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

July 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 28, 2020
Property Address	101 HOWARD AVE, LOS OSOS, CA 93402-2321
Document Number	0000038686
Instrument Date	Jun 29, 2020
Instrument	38686
Transaction Type	Transfer
Record Updated	Aug 12, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 HOWARD AVE LOS OSOS CA 934022321, LOS OSOS, CA 93402-2321

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 28, 2020
Property Address	101 HOWARD AVE, LOS OSOS, CA 93402-2321
Document Number	0000038688
Instrument Date	Jun 19, 2020
Instrument	38688
Transaction Type	Transfer
Record Updated	Aug 12, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$891.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	101 HOWARD AVE LOS OSOS CA 934022321, LOS OSOS, CA 93402-2321

Mortgage

Document Number	38689
Date	Jul 28, 2020
Instrument	38689

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 27, 2050

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	San Luis Coastal Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$894,301 (+2%) Land $540,997 Building $353,304
2025	$12,286.00 (+4.58%) Homeowner's exemption	$876,767 (+4.04%) Land $530,390 Building $346,377
2023	$11,748.00 (+5.1%) Homeowner's exemption	$842,724 Land $509,796 Building $332,928
2022	$11,178.00

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	8 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

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

Wildfire Risk	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond 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	S & T MUTUAL WATER COMPANY private · serves 591 people · EPA ID CA4000523
Water Source	Groundwater
Last State Inspection	Nov 2022
Lead	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 188 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

May also be available: Surfnet Communications.

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