1275 15th St, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 1275 15th St, Los Osos, CA 93402

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1978
Lot Size	0.215 acres (9,375 sqft)
Owner	Individual Name on File
Last Sale	$463,000 (Apr 2016)
Tax Bill	$8,483 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`038-161-037`

Property Details

APN / Parcel Number

Primary APN	`038-161-037`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Wood
Lot Area	9,375 sqft (0.215 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	1275 15TH ST
City	LOS OSOS
State	CA
Zip	93402-1415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TN EL MORO BL 45 LTS 17 TO 19
Legal Subdivision	TOWN/EL MORO
Legal Block	45
Legal Lot Number	17
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2007
Census Tract	10701

Owner

1275 15th St is owned and occupied by an individual who bought it in April 2016.

Source: San Luis Obispo County records, as of August 6, 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	Individual Name on File
Mailing Address	1275 15TH ST, LOS OSOS, CA 93402-1415
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage GOLDEN 1 CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2016 · Amount on File
Deed Sale	Apr 27, 2016 · Amount on File
Prior Sale	Aug 13, 1999 · Amount on File
Deed Document Number	201618709
Prior Transfer Date	Feb 15, 1995
Prior Transfer Doc	0000006888
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1275 15TH ST, LOS OSOS, CA 93402-1415
Transaction Type	Mortgage
Record Updated	Jan 27, 2022
Title Company	ADVANTAGE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1275 15TH ST, LOS OSOS, CA 93402-1415

Mortgage

Document Number	0000002350
Date	Jan 18, 2022
Instrument	2022002350

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2037

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1275 15TH ST, LOS OSOS, CA 93402-1415
Document Number	0000056814
Instrument Date	Dec 5, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1275 15TH ST LOS OSOS CA 934021415, LOS OSOS, CA 93402-1415

Mortgage

Document Number	0000056814
Date	Dec 12, 2017
Instrument	56814

Lender

Name	GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 11, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 1275 15th St was $8,483.

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		$559,053 (+2%) Land $301,865 Building $257,188
2025	$8,483.00	$548,093 Land $295,947 Building $252,146
2023	$8,230.00 (+5.88%)	$526,811 Land $284,456 Building $242,355
2022	$7,773.00

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

Flood

FEMA maps place 1275 15th 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 1275 15th 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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