1159 3rd St, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 1159 3rd St, Los Osos, CA 93402 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,686 sqft · built 1987
Lot Size	0.143 acres (6,250 sqft)
Owner	Owner Name on File
Last Sale	$659,000 (Jun 2005)
Tax Bill	$12,716 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jan 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`038-021-035`

Property Details

APN / Parcel Number

Primary APN	`038-021-035`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,686 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Construction Type	Wood
Lot Area	6,250 sqft (0.143 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air
Sewer	Septic

Location & Zoning

Street Address	1159 3RD ST
City	LOS OSOS
State	CA
Zip	93402-1113
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TN EL MORO BL 30 LTS 40, 39
Legal Subdivision	EL MORO
Legal Block	30
Legal Lot Number	39,40 39
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1014
Census Tract	10701

Owner

Source: San Luis Obispo County records · APN 038-021-035

Assessment roll updated July 1, 2025 · Last verified October 2025

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

Owner of Record	Owner Name on File
Mailing Address	1159 3RD ST, LOS OSOS, CA 93402-1113
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARCSTONE FINANCIAL INC
Jan 28, 2022	Deed of Trust, Mortgage · SBA Mortgage COMMERCIAL BANK OF CA
Mar 08, 2018	Deed of Trust, Mortgage · Conventional Mortgage PMAC LENDING SERVICES INC
Oct 08, 2019	Deed of Trust, Mortgage · Conventional Mortgage PMAC LENDING SERVICES INC
Dec 05, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 29, 2005 · Amount on Record
Deed Sale	Jun 29, 2005 · Amount on Record
Prior Sale	Jun 29, 2005
Deed Document Number	0000052749
Last Transfer Date	Mar 27, 2007
Transfer Doc	0000020443
Record Updated	Jun 07, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1159 3RD ST, LOS OSOS, CA 93402-1113
Transaction Type	Mortgage
Record Updated	Aug 17, 2023
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1159 3RD ST, LOS OSOS, CA 93402-1113

Mortgage

Document Number	0000023800
Date	Mar 30, 2021
Instrument	2021023800

Lender

Name	ARCSTONE FINANCIAL INC
Type	Mortgage Company
Address	LOS ANGELES, CA 90027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 01, 2036

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1159 3RD ST, LOS OSOS, CA 93402-1113
Transaction Type	Mortgage
Record Updated	Aug 17, 2023
Title Company	CHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1159 3RD ST, LOS OSOS, CA 93402-1113

Mortgage

Document Number	0000004282
Date	Jan 28, 2022
Instrument	2022004282

Lender

Name	COMMERCIAL BANK OF CA
Type	Bank
Address	LOS ANGELES, CA 90017

Agreement

Type	SBA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1159 3RD ST, LOS OSOS, CA 93402-1113
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009129
Date	Mar 08, 2018
Instrument	2018009129

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2048

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1159 3RD ST, LOS OSOS, CA 93402-1113
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043143
Date	Oct 08, 2019
Instrument	2019043143

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 01, 2034

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1159 3RD ST, LOS OSOS, CA 93402-1113
Document Number	0000002021
Instrument Date	Dec 05, 2019
Transaction Type	Mortgage
Record Updated	Jan 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1159 3RD ST LOS OSOS CA 934021113, LOS OSOS, CA 93402-1113

Mortgage

Document Number	0000002021
Date	Jan 15, 2020
Instrument	2021

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 14, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: San Luis Obispo County records · Assessment roll updated July 1, 2025 · Last verified October 2025

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

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

Year	Tax Bill	Assessed Value
2025	$12,716.00 (+1.67%)	$918,568 (+4.04%) Land $348,469 Building $570,099
2023	$12,507.00 (+3.32%) Homeowner's exemption	$882,901 Land $334,939 Building $547,962
2022	$12,105.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Luis Obispo County (06079C), updated July 22, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060790107011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	8 in force
Nearby Flood Claims	4 (1992–1995)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Mar 1995, tidal / storm surge, Severe Winter Storms, Flooding Landslides, Mud Flow
Claims By Storm	Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 3 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 152 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000

May also be available at this address: Radiate Holdings, AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

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5G and 4G LTE

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