1220 3rd St, #A, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 1220 3rd St, #A, Los Osos, CA 93402

Property Summary

Property Type	Duplex
Details	4 bd · 4 ba · 2,000 sqft · built 1988
Lot Size	0.14 acres (6,098 sqft)
Owner	Company Name on File
Last Sale	$399,000 (Jul 2012)
Tax Bill	$8,401 (2025)
Deeds & Mortgages	Mar 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`038-102-006`

Property Details

APN / Parcel Number

Primary APN	`038-102-006`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,000 sqft Living Area
1st Floor Area	2,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Duplex Single
Construction Type	Wood
Lot Area	6,098 sqft (0.14 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1220 3RD ST, A
City	LOS OSOS
State	CA
Zip	93402-1116
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RMF
Legal Description	TN EL MORO BL 34 LTS 11 & 12
Legal Subdivision	EL MORO
Legal Block	34
Legal Lot Number	11,12
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1005
Census Tract	10701

Owner

1220 3rd St, #A is owned by a company that acquired it in December 2016 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	1220 3RD ST, LOS OSOS, CA 93402-1116
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2012 · Amount on File
Deed Sale	Jul 27, 2012 · Amount on File
Prior Sale	Apr 23, 2010 · Amount on File
Deed Document Number	201241596
Last Transfer Date	Dec 15, 2016
Transfer Doc	0000066122
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1220 3RD ST # A, A, LOS OSOS, CA 93402-1116
Document Number	0000014712
Instrument Date	Mar 29, 2017
Transaction Type	Mortgage
Record Updated	Aug 17, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1220 3RD ST LOS OSOS CA 934021116, LOS OSOS, CA 93402-1116

Mortgage

Document Number	0000014712
Date	Apr 4, 2017
Instrument	14712

Lender

Name	RABOBANK
Type	Bank
Address	LOS OSOS, CA 93402

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1220 3rd St, #A was $8,401 with a homeowner's exemption.

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		$529,007 (+2%) Land $207,242 Building $321,765
2025	$8,401.00 Homeowner's exemption	$518,635 Land $203,179 Building $315,456
2023	$8,126.00 (-1.14%) Homeowner's exemption	$498,498 Land $195,291 Building $303,207
2022	$8,220.00

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

Flood

FEMA maps place 1220 3rd St, #A in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1992.

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	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 1220 3rd St, #A 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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