1104 3rd St, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 1104 3rd St, Los Osos, CA 93402

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 860 sqft · built 1949
Lot Size	0.144 acres (6,250 sqft)
Owner	Company Name on File
Last Sale	$55,000 (Nov 1997)
Tax Bill	$4,775 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`038-022-001`

Property Details

APN / Parcel Number

Primary APN	`038-022-001`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	860 sqft Living Area
1st Floor Area	860 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Construction Type	Wood
Lot Area	6,250 sqft (0.144 acres)
Terrain	Above Road/Slope
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Septic

Location & Zoning

Street Address	1104 3RD ST
City	LOS OSOS
State	CA
Zip	93402-1114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TN EL MORO BL 29 LT 6 & 7
Legal Subdivision	EL MORO
Legal Block	29
Legal Lot Number	6
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1004
Census Tract	10701

Owner

1104 3rd St is owned by a company that bought it in November 1997.

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

Owner of Record	Company Name on File
Mailing Address	14696 LOYOLA ST, MOORPARK, CA 93021-2554
Owner Type	Company
Vesting	Borrower in Default

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 15, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Oct 15, 2020	Quit Claim Deed, Transfer STEWART TITLE, STEWART TITLE/CA
Sep 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage RABOBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 1997 · Amount on File
Deed Sale	Nov 10, 1997 · Amount on File
Deed Document Number	199763951
Prior Transfer Date	Oct 3, 1997
Prior Transfer Doc	0000063951
Record Updated	Oct 29, 2026

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 15, 2020
Property Address	1104 3RD ST, LOS OSOS, CA 93402-1114
Document Number	0000057662
Map Reference	MB A PG 80
Instrument Date	Oct 9, 2020
Instrument	2020057662
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	STEWART TITLE GUARANTY

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	14969 LOYOLA STREET, MOORPARK, CA 93021

Mortgage

Document Number	0000057663
Date	Oct 15, 2020
Instrument	2020057663

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2035

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 15, 2020
Property Address	1104 3RD ST, LOS OSOS, CA 93402-1114
Document Number	0000057664
Instrument Date	Oct 9, 2020
Instrument	57664
Transaction Type	Transfer
Record Updated	Oct 29, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

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	14969 LOYOLA ST MOORPARK CA 93021, MOORPARK, CA 93021

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1104 3RD ST, LOS OSOS, CA 93402-1114
Document Number	0000039673
Instrument Date	Sep 15, 2018
Transaction Type	Mortgage
Record Updated	Oct 4, 2018
Title Company	FIRST AMERICAN TITLE COMPANY SYNRGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	14696 LOYOLA ST MOORPARK CA 930212554, MOORPARK, CA 93021-2554

Mortgage

Document Number	0000039673
Date	Sep 25, 2018
Instrument	39673

Lender

Name	RABOBANK
Type	Bank
Address	ARROYO GRANDE, CA 93421-6002

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 24, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 1104 3rd St was $4,775.

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		$230,855 (+2%) Land $163,162 Building $67,693
2025	$4,775.00	$226,329 Land $159,963 Building $66,366
2023	$4,649.00 (+1.86%)	$217,542 Land $153,752 Building $63,790
2022	$4,564.00

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

Flood

FEMA maps place 1104 3rd St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	4 (1992–1995)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Mar 1995 · Severe Winter Storms, Flooding Landslides, Mud Flow
Claims by Event	Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 3 claims

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 1104 3rd St is low, with less than 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 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% 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	LOS OSOS COMMUNITY SERVICES DISTRICT serves 7,086 people · EPA ID CA4010016
Water Source	Groundwater
Last State Inspection	Mar 2023
Lead	1 ppb (2024–2026) 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 152 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

May also be available: Astound Broadband, AT&T.

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