1124 2nd St, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 1124 2nd St, Los Osos, CA 93402

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,162 sqft · built 1977
Lot Size	0.144 acres (6,250 sqft)
Owner	2 Trust Names on File
Last Sale	$830,000 (Jun 2019)
Tax Bill	$12,073 (2025)
Deeds & Mortgages	Jun 2026 Sale Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`038-021-006`

Property Details

APN / Parcel Number

Primary APN	`038-021-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,162 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Wood
Lot Area	6,250 sqft (0.144 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	1124 2ND ST
City	LOS OSOS
State	CA
Zip	93402-1108
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TN EL MORO BL 30 LTS 11 & 12
Legal Subdivision	EL MORO
Legal Block	30
Legal Lot Number	11,12
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1014
Census Tract	10701

Owner

1124 2nd St is owner-occupied and held in a trust since May 2026.

Source: San Luis Obispo County records, as of August 26, 2026

Owner of Record	2 Trust Names on File
Mailing Address	1124 2ND ST, LOS OSOS, CA 93402-1108
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Jun 3, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Mar 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 6, 2019	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2019 · Amount on File
Deed Sale	Jun 6, 2019 · Amount on File
Prior Sale	Oct 8, 2003 · Amount on File
Deed Document Number	201921470
Last Transfer Date	May 28, 2026
Transfer Doc	0000017442
Record Updated	Oct 29, 2026

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 3, 2026
Property Address	1124 2ND ST, LOS OSOS, CA 93402-1108
Document Number	0000017442
Instrument Date	May 28, 2026
Instrument	202617442
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1124 2ND ST, LOS OSOS, CA 93402-1108

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1124 2ND ST, LOS OSOS, CA 93402-1108
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010191
Date	Mar 3, 2020
Instrument	2020010191

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 6, 2019
Property Address	1124 2ND ST, LOS OSOS, CA 93402-1108
Document Number	0000021470
Instrument Date	May 2, 2019
Instrument	21470
Transaction Type	Transfer
Record Updated	Jun 18, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$913.00
Amount Accuracy	Full Value
Additional	Notice of Default 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	1231 11TH ST LOS OSOS CA 934021330, LOS OSOS, CA 93402-1330

Mortgage

Document Number	21471
Date	Jun 6, 2019
Instrument	21471

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 5, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1124 2nd St was $12,073.

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		$944,391 (+2%) Land $483,574 Building $460,817
2025	$12,073.00 Homeowner's exemption	$925,875 Land $474,093 Building $451,782
2023	$11,160.00 (+3.25%)	$889,925 Land $455,685 Building $434,240
2022	$10,809.00

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

Flood

FEMA maps place 1124 2nd 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 1124 2nd 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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