1302 11th St, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 1302 11th St, Los Osos, CA 93402

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,294 sqft · built 1972
Lot Size	0.108 acres (4,687 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Mar 2011)
Tax Bill	$6,724 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`038-222-038`

Property Details

APN / Parcel Number

Primary APN	`038-222-038`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,294 sqft Living Area
1st Floor Area	1,294 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Construction Type	Wood
Lot Area	4,687 sqft (0.108 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	1302 11TH ST
City	LOS OSOS
State	CA
Zip	93402-1332
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TN EL MORO BL 55 LT 48 PTN LT 47
Legal Subdivision	EL MORO
Legal Block	55
Legal Lot Number	48,47
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2010
Census Tract	10701

Owner

1302 11th St is owned and occupied by two individuals who bought it in March 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	1302 11TH ST, LOS OSOS, CA 93402-1332
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 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Aug 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2011 · Amount on File
Deed Sale	Mar 30, 2011 · Amount on File
Deed Document Number	201115208
Prior Transfer Date	May 4, 1997
Prior Transfer Doc	0000037614
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1302 11TH ST, LOS OSOS, CA 93402-1332
Transaction Type	Mortgage
Record Updated	Nov 26, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1302 11TH ST, LOS OSOS, CA 93402-1332

Mortgage

Document Number	0000076553
Date	Nov 17, 2021
Instrument	2021076553

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2036

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1302 11TH ST, LOS OSOS, CA 93402-1332
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1302 11TH ST, LOS OSOS, CA 93402-1332

Mortgage

Document Number	0000058719
Date	Oct 20, 2020
Instrument	2020058719

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	238 Months
Due	Aug 1, 2040

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1302 11TH ST, LOS OSOS, CA 93402-1332
Document Number	0000035960
Instrument Date	Aug 8, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2017
Title Company	BNT TITLE COMPANY/CA, BNT TITLE CO/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1302 11TH ST LOS OSOS CA 934021332, LOS OSOS, CA 93402-1332

Mortgage

Document Number	0000035960
Date	Aug 14, 2017
Instrument	35960

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 13, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1302 11th St was $6,724.

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		$372,424 (+2%) Land $196,013 Building $176,411
2025	$6,724.00	$365,122 Land $192,170 Building $172,952
2023	$6,434.00 (+3.76%)	$350,945 Land $184,708 Building $166,237
2022	$6,201.00

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

Flood

FEMA maps place 1302 11th 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 1302 11th 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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