1279 16th St, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 1279 16th St, Los Osos, CA 93402

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 800 sqft · built 1977
Lot Size	0.144 acres (6,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (Jan 2019)
Tax Bill	$8,255 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Nov 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`038-162-042`

Property Details

APN / Parcel Number

Primary APN	`038-162-042`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	800 sqft Living Area
1st Floor Area	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Wood
Lot Area	6,250 sqft (0.144 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	1279 16TH ST
City	LOS OSOS
State	CA
Zip	93402-1421
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	18
Legal Description	TN EL MORO BL 46 LTS 19 & 20
Legal Subdivision	TOWN/EL MORO
Legal Block	46
Legal Lot Number	19,20
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2016
Census Tract	10701

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1279 16TH ST, LOS OSOS, CA 93402-1421
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage ONY GLO INC
Nov 22, 2019	Deed of Trust, Mortgage · Conventional with PMI LOANLOCK
Jan 18, 2019	Grant Deed, Transfer · Conventional Mortgage COASTAL FUNDING SLC INC
Sep 17, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 17, 2018	Affidavit of Death, Transfer ATTORNEY ONLY
Jun 13, 2018	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 18, 2019 · Amount on Record
Deed Sale	Jan 18, 2019 · Amount on Record
Deed Document Number	20191963
Prior Transfer Date	Sep 11, 2018
Prior Transfer Doc	0000038222
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1279 16TH ST, LOS OSOS, CA 93402-1421
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1279 16TH ST, LOS OSOS, CA 93402-1421

Mortgage

Document Number	0000052127
Date	Sep 22, 2020
Instrument	2020052127

Lender

Name	ONY GLO INC
Type	Mortgage Company
Address	LOS OSOS, CA 93402

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1279 16TH ST, LOS OSOS, CA 93402-1421
Document Number	0000053495
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE ORANGE CN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1279 16TH ST LOS OSOS CA 934021421, LOS OSOS, CA 93402-1421

Mortgage

Document Number	0000053495
Date	Nov 27, 2019
Instrument	53495

Lender

Name	LOANLOCK
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 26, 2049

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 18, 2019
Property Address	1279 16TH ST, LOS OSOS, CA 93402-1421
Document Number	0000001963
Map Reference	MB A PG 80
Instrument Date	Dec 27, 2018
Instrument	2019001963
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1279 16TH ST, LOS OSOS, CA 93402-1421

Mortgage

Document Number	0000001964
Date	Jan 18, 2019
Instrument	2019001964

Lender

Name	COASTAL FUNDING SLC INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 17, 2018
Property Address	1279 16TH ST, LOS OSOS, CA 93402-1421
Document Number	0000038222
Instrument Date	Sep 11, 2018
Instrument	38222
Transaction Type	Transfer
Record Updated	Sep 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	1264 15TH ST LOS OSOS CA 934021416, LOS OSOS, CA 93402-1416

September 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 17, 2018
Property Address	1279 16TH ST, LOS OSOS, CA 93402-1421
Document Number	0000038221
Instrument Date	Sep 11, 2018
Instrument	38221
Transaction Type	Transfer
Record Updated	Sep 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1264 15TH ST LOS OSOS CA 934021416, LOS OSOS, CA 93402-1416

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1279 16TH ST, LOS OSOS, CA 93402-1421
Document Number	0000026651
Instrument Date	Jun 13, 2018
Transaction Type	Mortgage
Record Updated	Jul 5, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1279 16TH ST LOS OSOS CA 934021421, LOS OSOS, CA 93402-1421

Mortgage

Document Number	0000026651
Date	Jun 28, 2018
Instrument	26651

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	SAN LUIS OBISPO, CA 93408

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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		$529,084 (+2%) Land $381,169 Building $147,915
2025	$8,255.00 (+3.65%)	$518,711 (+4.04%) Land $373,696 Building $145,015
2023	$7,964.00 (+3.67%)	$498,571 Land $359,186 Building $139,385
2022	$7,682.00

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

Flood

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

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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