1202 12th St, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 1202 12th St, Los Osos, CA 93402

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,413 sqft · built 1974
Lot Size	0.144 acres (6,250 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Apr 2009)
Tax Bill	$7,641 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`038-151-014`

Property Details

APN / Parcel Number

Primary APN	`038-151-014`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,413 sqft Living Area
1st Floor Area	1,413 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Wood
Lot Area	6,250 sqft (0.144 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1202 12TH ST
City	LOS OSOS
State	CA
Zip	93402-1317
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TN EL MORO BL 43 LTS 47 & 48
Legal Subdivision	EL MORO
Legal Block	43
Legal Lot Number	47,48
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2005
Census Tract	10701

Owner

1202 12th St is owned and occupied by two individuals who bought it in April 2009.

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

Owner of Record	2 Individual Names on File
Mailing Address	1202 12TH ST, LOS OSOS, CA 93402-1317
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Jun 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2009 · Amount on File
Deed Sale	Apr 2, 2009 · Amount on File
Prior Sale	Jan 13, 2009 · Amount on File
Deed Document Number	200916118
Prior Transfer Date	Apr 22, 1996
Prior Transfer Doc	0000024399
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1202 12TH ST, LOS OSOS, CA 93402-1317
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002764
Date	Jan 18, 2017
Instrument	2017002764

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1202 12TH ST, LOS OSOS, CA 93402-1317
Document Number	0000034169
Instrument Date	Jun 30, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1202 12TH ST LOS OSOS CA 934021317, LOS OSOS, CA 93402-1317

Mortgage

Document Number	0000034169
Date	Jul 8, 2020
Instrument	34169

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 7, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1202 12th St was $7,641.

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		$402,322 (+2%) Land $229,858 Building $172,464
2025	$7,641.00	$394,434 Land $225,351 Building $169,083
2023	$7,900.00 (+3.76%)	$379,119 Land $216,601 Building $162,518
2022	$7,614.00

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

Flood

FEMA maps place 1202 12th St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1998.

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
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

Wildfire risk around 1202 12th St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% 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 670 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Astound Broadband, Peak WiFi, Surfnet Communications.

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