San Luis Obispo County property record for 1346 4th St, Los Osos, CA 93402
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,983 sqft · built 1985 |
| Lot Size | 0.215 acres (9,375 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $760,000 (May 2020) |
| Tax Bill | $11,798 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit May 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 038-192-008 |
| Primary APN | 038-192-008 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,983 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Traditional |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 9,375 sqft (0.215 acres) |
| Lot Dimensions | 125 ft deep x 75 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Street Address | 1346 4TH ST |
|---|---|
| City | LOS OSOS |
| State | CA |
| Zip | 93402-1206 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | TN EL MORO BL 62 LTS 36 TO 38 |
| Legal Subdivision | EL MORO |
| Legal Block | 62 |
| Legal Lot Number | 36 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 10701 |
Source: San Luis Obispo County records, as of August 6, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1346 4TH ST, LOS OSOS, CA 93402-1206 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 8, 2023 | Deed of Trust, Mortgage · Line of Credit JACKSON FLAGSTAR CENTRE OFFICE |
| May 19, 2020 | Grant Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB |
| Sep 26, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage BONNIE & ROBERT HARTSTEN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 19, 2020 · Amount on Record |
| Deed Sale | May 19, 2020 · Amount on Record |
| Prior Sale | Nov 1, 2006 · Amount on Record |
| Deed Document Number | 202024379 |
| Prior Transfer Date | Sep 25, 2017 |
| Prior Transfer Doc | 0000043250 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1346 4TH ST, LOS OSOS, CA 93402-1206 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2023 |
| Title Company | BOSTON NATIONAL TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 1346 4TH ST, LOS OSOS, CA 93402-1206 |
| Document Number | 0000012529 |
|---|---|
| Date | May 8, 2023 |
| Instrument | 2023012529 |
| Name | JACKSON FLAGSTAR CENTRE OFFICE |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | May 19, 2020 |
| Property Address | 1346 4TH ST, LOS OSOS, CA 93402-1206 |
| Document Number | 0000024379 |
| Map Reference | MB A PG 80 |
| Instrument Date | Apr 24, 2020 |
| Instrument | 2020024379 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | PLACER TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 1346 4TH ST, LOS OSOS, CA 93402-1206 |
| Document Number | 0000024380 |
|---|---|
| Date | May 19, 2020 |
| Instrument | 2020024380 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Sep 26, 2017 |
| Property Address | 1346 4TH ST, LOS OSOS, CA 93402-1206 |
| Document Number | 0000043250 |
| Instrument Date | Sep 25, 2017 |
| Instrument | 43250 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2017 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1346 4TH ST LOS OSOS CA 934021206, LOS OSOS, CA 93402-1206 |
| Document Number | 44633 |
|---|---|
| Date | Sep 26, 2017 |
| Instrument | 44633 |
| Name | BONNIE & ROBERT HARTSTEN |
|---|---|
| Address | 1346 4TH ST, LOS OSOS, CA 93402-1206 |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5% |
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Unified School District | San Luis Coastal Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $839,100 (+2%) Land $414,030 Building $425,070 | |
| 2025 | $11,798.00 (+3.65%) Homeowner's exemption | $822,648 (+4.04%) Land $405,912 Building $416,736 |
| 2023 | $11,382.00 (+4.49%) Homeowner's exemption | $790,704 Land $390,150 Building $400,554 |
| 2022 | $10,893.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 | 8 in force |
| Nearby Flood Claims | 4 (1992–1995) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Mar 1995 · Severe Winter Storms, Flooding Landslides, Mud Flow |
| Claims by Event |
|
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 682 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: Astound Broadband, Ranch Wifi, Surfnet Communications, Verizon.
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