1297 12th St, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 1297 12th St, Los Osos, CA 93402

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,792 sqft · built 1986
Lot Size	0.144 acres (6,250 sqft)
Owner	2 Individual Names on File
Last Sale	$590,000 (Jan 2019)
Tax Bill	$11,044 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`038-142-024`

Property Details

APN / Parcel Number

Primary APN	`038-142-024`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,792 sqft Living Area
1st Floor Area	1,792 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Multi-Family
Construction Type	Wood
Lot Area	6,250 sqft (0.144 acres)
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1297 12TH ST
City	LOS OSOS
State	CA
Zip	93402-1316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TN EL MORO BL 42 LT 23 & 24
Legal Subdivision	EL MORO
Legal Block	42
Legal Lot Number	23
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2017
Census Tract	10701

Owner

1297 12th St is owned and occupied by two individuals who bought it in January 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1297 12TH ST, LOS OSOS, CA 93402-1316
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
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Feb 25, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Jan 2, 2019	Affidavit of Death, Transfer PLACER TITLE COMPANY, PLACER TITLE CO.
Jan 2, 2019	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2019 · Amount on File
Deed Sale	Jan 2, 2019 · Amount on File
Prior Sale	Sep 29, 1995 · Amount on File
Deed Document Number	201953
Prior Transfer Date	Apr 1, 1992
Prior Transfer Doc	0000035308
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1297 12TH ST, LOS OSOS, CA 93402-1316
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000066327
Date	Nov 16, 2020
Instrument	2020066327

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	BURLINGAME, CA 94010

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 25, 2020
Property Address	1297 12TH ST, LOS OSOS, CA 93402-1316
Document Number	0000008954
Map Reference	MB A PG 80
Instrument Date	Feb 12, 2020
Instrument	2020008954
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	SERVICELINK

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	Community Property with Right of Survivorship
Address	1297 12TH ST, SAN LUIS OBISPO, CA 93402-1316

Mortgage

Document Number	0000008955
Date	Feb 25, 2020
Instrument	2020008955

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

January 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 2, 2019
Property Address	1297 12TH ST, LOS OSOS, CA 93402-1316
Document Number	0000000052
Instrument Date	Dec 12, 2018
Instrument	52
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1565 NIPOMO AVE LOS OSOS CA 934022913, LOS OSOS, CA 93402-2913

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 2, 2019
Property Address	1297 12TH ST, LOS OSOS, CA 93402-1316
Document Number	0000000053
Map Reference	MB A PG 80
Instrument Date	Dec 11, 2018
Instrument	2019000053
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER TITLE CO

Transaction

Amount	Amount on Record
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	Community Property with Right of Survivorship
Address	1297 12TH ST, LOS OSOS, CA 93402-1316

Mortgage

Document Number	0000000054
Date	Jan 2, 2019
Instrument	2019000054

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1297 12th St was $11,044 with a homeowner's exemption.

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		$749,399 (+2%) Land $426,683 Building $322,716
2025	$11,044.00 Homeowner's exemption	$734,706 Land $418,317 Building $316,389
2023	$10,761.00 (+4.77%) Homeowner's exemption	$706,178 Land $402,074 Building $304,104
2022	$10,271.00

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

Flood

FEMA maps place 1297 12th 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 1297 12th St is low, with a 0.02% annual chance of wildfire.

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	0.02% annual chance
Exposure	None beyond 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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