1260 13th St, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 1260 13th St, Los Osos, CA 93402

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,074 sqft · built 1978
Lot Size	0.072 acres (3,125 sqft)
Owner	Individual Name on File
Last Sale	$309,000 (Mar 2013)
Tax Bill	$6,785 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`038-152-005`

Property Details

APN / Parcel Number

Primary APN	`038-152-005`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,074 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Wood
Lot Area	3,125 sqft (0.072 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Septic

Location & Zoning

Street Address	1260 13TH ST
City	LOS OSOS
State	CA
Zip	93402-1404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TN EL MORO BL 44 LT 34
Legal Subdivision	TOWN/EL MORO
Legal Block	44
Legal Lot Number	34
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2006
Census Tract	10701

Owner

1260 13th St is owned and occupied by an individual who acquired it in April 2016.

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

Owner of Record	Individual Name on File
Mailing Address	1260 13TH ST, LOS OSOS, CA 93402-1404
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
Aug 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD
May 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 28, 2013 · Amount on File
Deed Sale	Mar 28, 2013 · Amount on File
Prior Sale	Oct 15, 1997 · Amount on File
Deed Document Number	201317439
Last Transfer Date	Apr 11, 2016
Transfer Doc	0000016714
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1260 13TH ST, LOS OSOS, CA 93402-1404
Transaction Type	Mortgage
Record Updated	Sep 1, 2021
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1260 13TH ST, LOS OSOS, CA 93402-1404

Mortgage

Document Number	0000058354
Date	Aug 23, 2021
Instrument	2021058354

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1260 13TH ST, LOS OSOS, CA 93402-1404
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031088
Date	Jul 27, 2018
Instrument	2018031088

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1260 13TH ST, LOS OSOS, CA 93402-1404
Document Number	0000024574
Instrument Date	May 2, 2020
Transaction Type	Mortgage
Record Updated	Jun 2, 2020
Title Company	SPL INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1260 13TH ST LOS OSOS CA 934021404, LOS OSOS, CA 93402-1404

Mortgage

Document Number	0000024574
Date	May 20, 2020
Instrument	24574

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 19, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1260 13th St was $6,785.

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		$388,106 (+2%) Land $188,401 Building $199,705
2025	$6,785.00	$380,497 Land $184,707 Building $195,790
2023	$6,703.00 (+5.48%)	$365,724 Land $177,536 Building $188,188
2022	$6,355.00

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

Flood

FEMA maps place 1260 13th 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 1260 13th St is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within 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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