1280 16th St, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 1280 16th St, Los Osos, CA 93402

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,125 sqft · built 1974
Lot Size	0.108 acres (4,688 sqft)
Owner	Individual Name on File
Last Sale	$255,000 (Aug 2001)
Tax Bill	$7,391 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Feb 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`038-171-020`

Property Details

APN / Parcel Number

Primary APN	`038-171-020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,125 sqft Living Area
1st Floor Area	1,125 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Wood
Lot Area	4,688 sqft (0.108 acres)
Terrain	Below Road/Slope
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	1280 16TH ST
City	LOS OSOS
State	CA
Zip	93402-1422
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TN EL MORO LT 29 & PTN LT 30 BL 47
Legal Subdivision	EL MORO
Legal Block	47
Legal Lot Number	29,30
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2006
Census Tract	10703

Owner

1280 16th St is owned and occupied by an individual who acquired it in November 2021.

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

Owner of Record	Individual Name on File
Mailing Address	1280 16TH ST, LOS OSOS, CA 93402-1422
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Feb 24, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage STEARNS LENDING LLC
Feb 24, 2022	Affidavit of Death of Joint Tenant, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Jul 31, 2017	Deed of Trust, Mortgage · FHA Mortgage NATIONWIDE EQUITIES
Jul 31, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2001 · Amount on File
Deed Sale	Aug 31, 2001 · Amount on File
Prior Sale	May 27, 1999 · Amount on File
Deed Document Number	200166443
Last Transfer Date	Nov 16, 2021
Transfer Doc	0000008453
Record Updated	Oct 29, 2026

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 24, 2022
Property Address	1280 16TH ST, LOS OSOS, CA 93402-1422
Document Number	0000008453
Map Reference	MB A PG 80
Instrument Date	Jan 28, 2022
Instrument	2022008453
Transaction Type	Transfer
Record Updated	Mar 2, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1280 16TH ST, LOS OSOS, CA 93402-1422

Mortgage

Document Number	0000008454
Date	Feb 24, 2022
Instrument	2022008454

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

February 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 24, 2022
Property Address	1280 16TH ST, LOS OSOS, CA 93402-1422
Document Number	0000008452
Map Reference	MB A PG 80
Instrument Date	Nov 5, 2021
Instrument	2022008452
Transaction Type	Transfer
Record Updated	Mar 2, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1280 16TH ST, LOS OSOS, CA 93402-1422

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1280 16TH ST, LOS OSOS, CA 93402-1422
Document Number	0000035815
Instrument Date	Jul 31, 2017
Transaction Type	Mortgage
Record Updated	Aug 22, 2017
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1280 16TH ST LOS OSOS CA 934021422, LOS OSOS, CA 93402-1422

Mortgage

Document Number	0000035815
Date	Aug 11, 2017
Instrument	35815

Lender

Name	NATIONWIDE EQUITIES
Type	Funding / Finance Company
Address	MAHWAH, NJ 07495

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.61%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1280 16TH ST, LOS OSOS, CA 93402-1422
Document Number	0000035816
Instrument Date	Jul 31, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1280 16TH ST LOS OSOS CA 934021422, LOS OSOS, CA 93402-1422

Mortgage

Document Number	0000035816
Date	Aug 11, 2017
Instrument	35816

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.61%

Tax Assessment & Valuation

The 2025 property tax bill for 1280 16th St was $7,391.

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		$384,221 (+2%) Land $180,809 Building $203,412
2025	$7,391.00	$376,688 Land $177,264 Building $199,424
2023	$6,872.00 (+3.78%)	$362,063 Land $170,382 Building $191,681
2022	$6,622.00

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

Flood

FEMA maps place 1280 16th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 22, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1280 16th 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.

Nearby Properties on 16th St

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