1386 16th St, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 1386 16th St, Los Osos, CA 93402

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,191 sqft · built 1977
Lot Size	0.144 acres (6,250 sqft)
Owner	Individual Name on Record
Last Sale	$318,000 (May 2013)
Tax Bill	$10,103 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`038-251-029`

Property Details

APN / Parcel Number

Primary APN	`038-251-029`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,191 sqft Living Area
1st Floor Area	1,191 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,250 sqft (0.144 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1386 16TH ST
City	LOS OSOS
State	CA
Zip	93402-1424
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TN EL MORO BL 50 LTS 28 & 29
Legal Subdivision	EL MORO
Legal Block	50
Legal Lot Number	28,29
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2007
Census Tract	10703

Owner

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	Individual Name on Record
Mailing Address	1386 16TH ST, LOS OSOS, CA 93402-1424
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Jun 8, 2018	Grant Deed, Transfer · Conventional Mortgage MORTGAGE HOUSE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2013 · Amount on Record
Deed Sale	May 10, 2013 · Amount on Record
Prior Sale	Dec 19, 2002 · Amount on Record
Deed Document Number	201327253
Last Transfer Date	May 11, 2016
Transfer Doc	0000021986
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1386 16TH ST, LOS OSOS, CA 93402-1424
Transaction Type	Mortgage
Record Updated	Sep 15, 2021
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1386 16TH ST, LOS OSOS, CA 93402-1424

Mortgage

Document Number	0000061379
Date	Sep 7, 2021
Instrument	2021061379

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1386 16TH ST, LOS OSOS, CA 93402-1424
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041189
Date	Sep 27, 2019
Instrument	2019041189

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 8, 2018
Property Address	1386 16TH ST, LOS OSOS, CA 93402-1424
Document Number	0000023648
Instrument Date	May 17, 2018
Instrument	23648
Transaction Type	Transfer
Record Updated	Jun 21, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$632.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1386 16TH ST LOS OSOS CA 934021424, LOS OSOS, CA 93402-1424

Mortgage

Document Number	23649
Date	Jun 8, 2018
Instrument	23649

Lender

Name	MORTGAGE HOUSE
Type	Mortgage Company
Address	CALABASAS, CA 91301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 7, 2048

Tax Assessment & Valuation

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		$667,329 (+2%) Land $388,792 Building $278,537
2025	$10,103.00 (+4.77%) Homeowner's exemption	$654,245 (+4.04%) Land $381,169 Building $273,076
2023	$9,643.00 (+3.51%) Homeowner's exemption	$628,842 Land $366,369 Building $262,473
2022	$9,316.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 22, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 55% of the US · lower than 67% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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