San Luis Obispo County property record for 1248 8th St, Los Osos, CA 93402
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,103 sqft · built 1974 |
| Lot Size | 0.144 acres (6,250 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $4,421 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Dec 2025 Reverse Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 038-131-008 |
| Primary APN | 038-131-008 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,103 sqft Living Area |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Construction Type | Wood |
| Lot Area | 6,250 sqft (0.144 acres) |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Street Address | 1248 8TH ST |
|---|---|
| City | LOS OSOS |
| State | CA |
| Zip | 93402-1200 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 10 |
| Legal Description | TN EL MORO BL 39 LTS 16 & 17 |
| Legal Subdivision | EL MORO |
| Legal Block | 39 |
| Legal Lot Number | 16,17 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 10701 |
Source: San Luis Obispo County records, as of August 21, 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 Company Names on File |
|---|---|
| Mailing Address | 1248 8TH ST, LOS OSOS, CA 93402-1200 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| May 26, 2022 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Dec 9, 2025 | Intrafamily Transfer, Transfer · Reverse Mortgage CENTRAL COAST LENDING INC |
| Jun 5, 2020 | Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 21, 2025 |
| Transfer Doc | 0000037677 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1248 8TH ST, LOS OSOS, CA 93402-1200 |
| Transaction Type | Mortgage |
| Record Updated | Jan 6, 2026 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|---|
| Address | 1248 8TH ST, LOS OSOS, CA 93402-1200 |
| Document Number | 0000022649 |
|---|---|
| Date | May 26, 2022 |
| Instrument | 2022022649 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Dec 9, 2025 |
| Property Address | 1248 8TH ST, LOS OSOS, CA 93402-1200 |
| Document Number | 0000037677 |
| Map Reference | MB A PG 80 |
| Instrument Date | Nov 21, 2025 |
| Instrument | 2025037677 |
| Transaction Type | Transfer |
| Record Updated | Jan 6, 2026 |
| Title Company | PLACER TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 1248 8TH ST, LOS OSOS, CA 93402-1200 |
| Document Number | 0000037678 |
|---|---|
| Date | Dec 9, 2025 |
| Instrument | 2025037678 |
| Name | CENTRAL COAST LENDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 771 Months |
| Due | Mar 25, 2090 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Feb 1, 2026 |
| Change Frequency | Monthly |
| Index | 1-Year T-Bill |
| Max Rate | 10.8% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1248 8TH ST, LOS OSOS, CA 93402-1200 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000027665 |
|---|---|
| Date | Jun 5, 2020 |
| Instrument | 2020027665 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | May 28, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $111,512 (+2%) Land $10,969 Building $100,543 | |
| 2025 | $4,421.00 (+7.62%) Homeowner's exemption | $109,326 (+4.04%) Land $10,754 Building $98,572 |
| 2023 | $4,108.00 (-0.7%) Homeowner's exemption | $105,084 Land $10,338 Building $94,746 |
| 2022 | $4,137.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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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