1128 3rd St, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 1128 3rd St, Los Osos, CA 93402

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 416 sqft · built 1949
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on Record
Last Sale	$440,000 (May 2020)
Tax Bill	$7,679 (2025)
Deeds & Mortgages	Jul 2021 Mortgage May 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`038-022-005`

Property Details

APN / Parcel Number

Primary APN	`038-022-005`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	416 sqft Living Area
1st Floor Area	416 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Construction Type	Wood
Lot Area	3,049 sqft (0.07 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	1128 3RD ST
City	LOS OSOS
State	CA
Zip	93402-1114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10
Legal Description	TN EL MORO BL 29 LT 12
Legal Subdivision	EL MORO
Legal Block	29
Legal Lot Number	12
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1004
Census Tract	10701

Owner

Source: San Luis Obispo County records, as of September 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 174, BODEGA BAY, CA 94923-0174
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 8, 2020	Quit Claim Deed, Transfer PLACER TITLE COMPANY, PLACER TITLE CO.
May 8, 2020	Grant Deed, Transfer PLACER TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2020 · Amount on Record
Deed Sale	May 8, 2020 · Amount on Record
Prior Sale	Apr 9, 2004 · Amount on Record
Deed Document Number	202022407
Prior Transfer Date	Oct 22, 2003
Prior Transfer Doc	0000123583
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1128 3RD ST, LOS OSOS, CA 93402-1114
Transaction Type	Mortgage
Record Updated	Aug 17, 2023
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 174, BODEGA BAY, CA 94923-0174

Mortgage

Document Number	0000049558
Date	Jul 15, 2021
Instrument	2021049558

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 8, 2020
Property Address	1128 3RD ST, LOS OSOS, CA 93402-1114
Document Number	0000022408
Instrument Date	May 1, 2020
Instrument	22408
Transaction Type	Transfer
Record Updated	May 22, 2020
Title Company	PLACER TITLE COMPANY, PLACER 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	Separate Estate/Property
Address	PO BOX 174 BODEGA BAY CA 949230174, BODEGA BAY, CA 94923-0174

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 8, 2020
Property Address	1128 3RD ST, LOS OSOS, CA 93402-1114
Document Number	0000022407
Map Reference	MB A PG 80
Instrument Date	Apr 10, 2020
Instrument	2020022407
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 174, BODEGA BAY, CA 94923-0174

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		$490,822 (+2%) Land $418,317 Building $72,505
2025	$7,679.00 (+2.94%)	$481,199 (+4.04%) Land $410,115 Building $71,084
2023	$7,460.00 (+5.01%)	$462,516 Land $394,191 Building $68,325
2022	$7,104.00

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
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

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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