San Luis Obispo County property record for 1246 7th St, Los Osos, CA 93402
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,080 sqft · built 1972 |
| Lot Size | 0.144 acres (6,250 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $715,000 (Jul 2024) |
| Tax Bill | $10,539 (2025) |
| Deeds & Mortgages | Apr 2018 Reverse Mortgage Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 038-122-008 |
| Primary APN | 038-122-008 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,080 sqft Living Area |
| 1st Floor Area | 1,080 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Construction Type | Wood |
| Lot Area | 6,250 sqft (0.144 acres) |
| Lot Dimensions | 125 ft deep x 50 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Sewer | Septic |
| Street Address | 1246 7TH ST |
|---|---|
| City | LOS OSOS |
| State | CA |
| Zip | 93402-1221 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | TN EL MORO BL 38 LTS 16 & 17 |
| Legal Subdivision | EL MORO |
| Legal Block | 38 |
| Legal Lot Number | 16,17 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 10701 |
Source: San Luis Obispo County records, as of September 1, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1246 7TH ST, LOS OSOS, CA 93402-1221 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 24, 2018 | Deed of Trust, Mortgage · Reverse Mortgage ALL REVERSE MORTGAGE INC |
| Apr 18, 2018 | Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 8, 2024 · Amount on File |
| Deed Sale | Jul 8, 2024 · Amount on File |
| Prior Sale | Oct 22, 1999 · Amount on File |
| Deed Document Number | 202418079 |
| Prior Transfer Date | Dec 21, 2023 |
| Prior Transfer Doc | 0000038170 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1246 7TH ST, LOS OSOS, CA 93402-1221 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | CHICAGO TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000016349 |
|---|---|
| Date | Apr 24, 2018 |
| Instrument | 2018016349 |
| Name | ALL REVERSE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | ORANGE, CA 92868 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.93% |
| Type Change Date | May 1, 2019 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Index | 1-Year LIBOR |
| Max Rate | 5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1246 7TH ST, LOS OSOS, CA 93402-1221 |
| Document Number | 0000016350 |
| Instrument Date | Apr 18, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2018 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1246 7TH ST LOS OSOS CA 934021221, LOS OSOS, CA 93402-1221 |
| Document Number | 0000016350 |
|---|---|
| Date | Apr 24, 2018 |
| Instrument | 16350 |
| Name | FEDERAL HSNG COMMISSIONER |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.93% |
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 | $729,300 (+2%) Land $459,000 Building $270,300 | |
| 2025 | $10,539.00 (+74.83%) | $715,000 (+111.97%) Land $450,000 Building $265,000 |
| 2023 | $6,028.00 (+5.66%) | $337,317 Land $177,536 Building $159,781 |
| 2022 | $5,705.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
|
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.
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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 682 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 |
| Starlink Satellite | 280 / 30 |
May also be available: Astound Broadband, Ranch Wifi, Surfnet Communications, Verizon.
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