San Luis Obispo County property record for 1346 5th St, Los Osos, CA 93402
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 952 sqft · built 1964 |
| Lot Size | 0.144 acres (6,250 sqft) |
| Owner | Individual Name on File |
| Last Sale | $545,000 (Jul 2020) |
| Tax Bill | $8,932 (2025) |
| Deeds & Mortgages | Sep 2017 Mortgage Jul 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 038-201-004 |
| Primary APN | 038-201-004 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 952 sqft Living Area |
| 1st Floor Area | 952 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Construction Type | Wood |
| Lot Area | 6,250 sqft (0.144 acres) |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Sewer | Septic |
| Street Address | 1346 5TH ST |
|---|---|
| City | LOS OSOS |
| State | CA |
| Zip | 93402-1211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | TN EL MORO BL 61 LTS 36 & 37 |
| Legal Subdivision | TOWN/EL MORO |
| Legal Block | 61 |
| Legal Lot Number | 36,37 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 10701 |
1346 5th St is owned and occupied by an individual who bought it in July 2020.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1346 5TH ST, LOS OSOS, CA 93402-1211 |
| 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.
| Date | Document |
|---|---|
| Sep 22, 2017 | Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD |
| Jul 28, 2020 | Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 28, 2020 · Amount on File |
| Deed Sale | Jul 28, 2020 · Amount on File |
| Prior Sale | Jun 4, 2013 · Amount on File |
| Deed Document Number | 202038560 |
| Prior Transfer Date | Dec 22, 1993 |
| Prior Transfer Doc | 0000003700 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1346 5TH ST, LOS OSOS, CA 93402-1211 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000042527 |
|---|---|
| Date | Sep 22, 2017 |
| Instrument | 2017042527 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77056 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Jul 28, 2020 |
| Property Address | 1346 5TH ST, LOS OSOS, CA 93402-1211 |
| Document Number | 0000038560 |
| Map Reference | MB A PG 80 |
| Instrument Date | Jun 24, 2020 |
| Instrument | 2020038560 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| 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 | Joint Tenants |
| Address | 1346 5TH ST, LOS OSOS, CA 93402-1211 |
| Document Number | 0000038561 |
|---|---|
| Date | Jul 28, 2020 |
| Instrument | 2020038561 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
The 2025 property tax bill for 1346 5th St was $8,932.
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 | $601,723 (+2%) Land $414,030 Building $187,693 | |
| 2025 | $8,932.00 | $589,925 Land $405,912 Building $184,013 |
| 2023 | $8,616.00 (+4.58%) | $567,018 Land $390,150 Building $176,868 |
| 2022 | $8,239.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 1346 5th St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1992.
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.
Wildfire risk around 1346 5th 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.
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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