1301 12th St, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 1301 12th St, Los Osos, CA 93402

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,346 sqft · built 1978
Lot Size	0.072 acres (3,125 sqft)
Owner	Company Name on File
Last Sale	$435,000 (Jun 2016)
Tax Bill	$7,987 (2025)
Deeds & Mortgages	Nov 2023 Transfer Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`038-222-015`

Property Details

APN / Parcel Number

Primary APN	`038-222-015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,346 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)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic

Location & Zoning

Street Address	1301 12TH ST
City	LOS OSOS
State	CA
Zip	93402-1318
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TN EL MORO BL 55 LT 1
Legal Subdivision	EL MORO
Legal Block	55
Legal Lot Number	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2010
Census Tract	10701

Owner

1301 12th St is owned by a company that acquired it in November 2023 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	1301 12TH ST, LOS OSOS, CA 93402-1318
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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 7, 2023	Intrafamily Transfer, Transfer
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL COAST LENDING INC
Nov 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2016 · Amount on File
Deed Sale	Jun 7, 2016 · Amount on File
Prior Sale	Sep 10, 2010 · Amount on File
Deed Document Number	201626152
Last Transfer Date	Nov 6, 2023
Transfer Doc	0000033673
Record Updated	Sep 20, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 7, 2023
Property Address	1301 12TH ST, LOS OSOS, CA 93402-1318
Document Number	0000033673
Map Reference	MB A PG 80
Instrument Date	Nov 6, 2023
Instrument	2023033673
Transaction Type	Transfer
Record Updated	Nov 17, 2023

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	Revocable Trust
Address	1301 12TH ST, LOS OSOS, CA 93402-1318

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1301 12TH ST, LOS OSOS, CA 93402-1318
Transaction Type	Mortgage
Record Updated	Mar 26, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1301 12TH ST, LOS OSOS, CA 93402-1318

Mortgage

Document Number	0000019632
Date	Mar 15, 2021
Instrument	2021019632

Lender

Name	CENTRAL COAST LENDING INC
Type	Mortgage Company
Address	MORRO BAY, CA 93442

Agreement

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

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1301 12TH ST, LOS OSOS, CA 93402-1318
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000050988
Date	Nov 7, 2017
Instrument	2017050988

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1301 12th St was $7,987 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		$525,243 (+2%) Land $271,678 Building $253,565
2025	$7,987.00 Homeowner's exemption	$514,945 Land $266,351 Building $248,594
2023	$7,747.00 (+7.37%) Homeowner's exemption	$494,951 Land $256,009 Building $238,942
2022	$7,215.00

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

Flood

FEMA maps place 1301 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 1301 12th St is low, with a 0.01% 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	0.01% 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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