San Luis Obispo County property record for 1186 7th St, Los Osos, CA 93402
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,510 sqft · built 1988 |
| Lot Size | 0.144 acres (6,250 sqft) |
| Owner | Company Name on File |
| Last Sale | $575,000 (Sep 2002) |
| Tax Bill | $11,989 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Oct 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 038-042-005 |
| Primary APN | 038-042-005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,510 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Construction Type | Wood |
| Lot Area | 6,250 sqft (0.144 acres) |
| Terrain | Below Road/Slope |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Street Address | 1186 7TH ST |
|---|---|
| City | LOS OSOS |
| State | CA |
| Zip | 93402-1219 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | TN EL MORO LT 5&6 BL 25 |
| Legal Subdivision | EL MORO |
| Legal Block | 25 |
| Legal Lot Number | 5,6 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 10701 |
1186 7th St is owned by a company that acquired it in December 2017 and is owner-occupied.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1186 7TH ST, LOS OSOS, CA 93402-1219 |
| 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.
| Date | Document |
|---|---|
| Feb 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RATE PLUS INC |
| Oct 31, 2019 | Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION |
| Jan 8, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 17, 2002 · Amount on File |
| Deed Sale | Sep 17, 2002 · Amount on File |
| Deed Document Number | 200276416 |
| Last Transfer Date | Dec 29, 2017 |
| Transfer Doc | 0000000697 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1186 7TH ST, LOS OSOS, CA 93402-1219 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2021 |
| Title Company | TICOR TITLE ORANGE COUNTY BR, TICOR TTL ORANGE CNTY BRANCH |
| Name | Verified Name |
|---|---|
| Address | 1186 7TH ST, LOS OSOS, CA 93402-1219 |
| Document Number | 0000013397 |
|---|---|
| Date | Feb 19, 2021 |
| Instrument | 2021013397 |
| Name | RATE PLUS INC |
|---|---|
| Type | Non-Lending Institution |
| Address | NEWPORT BEACH, CA 92660 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1186 7TH ST, LOS OSOS, CA 93402-1219 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ORANGE COAST TITLE ONTARIO |
| Name | Verified Name |
|---|
| Document Number | 0000048251 |
|---|---|
| Date | Oct 31, 2019 |
| Instrument | 2019048251 |
| Name | OWNING CORPORATION |
|---|---|
| Type | Non-Lending Institution |
| Address | ORANGE, CA 92868 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Jan 8, 2018 |
| Property Address | 1186 7TH ST, LOS OSOS, CA 93402-1219 |
| Document Number | 0000000697 |
| Instrument Date | Dec 29, 2017 |
| Instrument | 697 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1186 7TH ST LOS OSOS CA 934021219, LOS OSOS, CA 93402-1219 |
The 2025 property tax bill for 1186 7th St was $11,989 with a homeowner's exemption.
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Unified School District | San Luis Coastal Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $856,825 (+2%) Land $369,316 Building $487,509 | |
| 2025 | $11,989.00 Homeowner's exemption | $840,025 Land $362,075 Building $477,950 |
| 2023 | $11,409.00 (+3.09%) Homeowner's exemption | $807,408 Land $348,016 Building $459,392 |
| 2022 | $11,067.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 1186 7th 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 4 (1998–2012) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Apr 2012 · rainfall accumulation |
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 risk around 1186 7th St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 79% of California |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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