1341 14th St, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 1341 14th St, Los Osos, CA 93402

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,416 sqft · built 1983
Lot Size	0.144 acres (6,250 sqft)
Owner	2 Trust Names on File
Last Sale	$462,000 (Dec 2015)
Tax Bill	$9,203 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`038-232-013`

Property Details

APN / Parcel Number

Primary APN	`038-232-013`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,416 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Construction Type	Wood
Lot Area	6,250 sqft (0.144 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1341 14TH ST
City	LOS OSOS
State	CA
Zip	93402-1411
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	TN EL MORO BL 53 LTS 11 & 12
Legal Subdivision	EL MORO
Legal Block	53
Legal Lot Number	11,12
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2008
Census Tract	10701

Owner

1341 14th St is owner-occupied and held in a trust since December 2015.

Source: San Luis Obispo County records, as of August 26, 2026

Owner of Record	2 Trust Names on File
Mailing Address	1341 14TH ST, LOS OSOS, CA 93402-1411
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Mar 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Jan 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage GOLDEN 1 CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 24, 2015 · Amount on File
Deed Sale	Dec 24, 2015 · Amount on File
Prior Sale	Jul 20, 1999
Deed Document Number	201564551
Prior Transfer Date	Apr 2, 2012
Prior Transfer Doc	0000019051
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1341 14TH ST, LOS OSOS, CA 93402-1411
Transaction Type	Mortgage
Record Updated	Mar 3, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1341 14TH ST, LOS OSOS, CA 93402-1411

Mortgage

Document Number	0000021617
Date	Mar 22, 2021
Instrument	2021021617

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

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

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1341 14TH ST, LOS OSOS, CA 93402-1411
Document Number	0000004273
Instrument Date	Jan 28, 2019
Transaction Type	Mortgage
Record Updated	Feb 13, 2019
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1341 14TH ST LOS OSOS CA 934021411, LOS OSOS, CA 93402-1411

Mortgage

Document Number	0000004273
Date	Feb 6, 2019
Instrument	4273

Lender

Name	GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 5, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 1341 14th St was $9,203 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		$557,845 (+2%) Land $301,865 Building $255,980
2025	$9,203.00 Homeowner's exemption	$546,908 Land $295,947 Building $250,961
2023	$8,717.00 (+6.36%) Homeowner's exemption	$525,673 Land $284,456 Building $241,217
2022	$8,196.00

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

Flood

FEMA maps place 1341 14th 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 1341 14th 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.

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