1148 3rd St, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 1148 3rd St, Los Osos, CA 93402

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,510 sqft · built 1989
Lot Size	0.215 acres (9,375 sqft)
Owner	Company Name on File
Last Sale	$325,000 (Sep 1994)
Tax Bill	$8,585 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`038-022-029`

Property Details

APN / Parcel Number

Primary APN	`038-022-029`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,510 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Traditional
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Tar & Gravel
Lot Area	9,375 sqft (0.215 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Terrain	Below Road/Slope
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1148 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 LTS 15 TO 17
Legal Subdivision	EL MORO
Legal Block	29
Legal Lot Number	15
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1004
Census Tract	10701

Owner

1148 3rd St is owned by a company that bought it in September 1994 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	1148 3RD ST, LOS OSOS, CA 93402-1114
Occupancy	Owner Occupied
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
Aug 25, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 25, 2021	Intrafamily Transfer, Transfer AMROCK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 1994 · Amount on File
Deed Sale	Sep 12, 1994 · Amount on File
Deed Document Number	199452891
Prior Transfer Date	Aug 23, 1994
Prior Transfer Doc	0000052892
Record Updated	Oct 29, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 25, 2021
Property Address	1148 3RD ST, LOS OSOS, CA 93402-1114
Document Number	0000058872
Map Reference	MB A PG 80
Instrument Date	Aug 6, 2021
Instrument	2021058872
Transaction Type	Transfer
Record Updated	Aug 17, 2023
Title Company	AMROCK INC, AMROCK LLC

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	859 PHOENIX AVE, VENTURA, CA 93004-2208

Mortgage

Document Number	0000058873
Date	Aug 25, 2021
Instrument	2021058873

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 25, 2021
Property Address	1148 3RD ST, LOS OSOS, CA 93402-1114
Document Number	0000058874
Map Reference	MB A PG 80
Instrument Date	Aug 6, 2021
Instrument	2021058874
Transaction Type	Transfer
Record Updated	Aug 17, 2023
Title Company	AMROCK INC

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	Family Revocable Trust
Address	859 PHOENIX AVE, VENTURA, CA 93004-2208

Tax Assessment & Valuation

The 2025 property tax bill for 1148 3rd St was $8,585 with a homeowner's exemption, down 4.5% from the year before.

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		$556,773 (+2%) Land $214,138 Building $342,635
2025	$8,585.00 (-4.49%) Homeowner's exemption	$545,857 Land $209,940 Building $335,917
2024	$8,989.00 (+0.02%)
2023	$8,987.00 (-9.58%)	$524,663 Land $201,789 Building $322,874
2022	$9,939.00

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

Flood

FEMA maps place 1148 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 1148 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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