1388 13th St, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 1388 13th St, Los Osos, CA 93402

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,254 sqft · built 1981
Lot Size	0.144 acres (6,250 sqft)
Owner	Company Name on File
Last Sale	$549,000 (Jun 2007)
Tax Bill	$10,675 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jul 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`038-232-008`

Property Details

APN / Parcel Number

Primary APN	`038-232-008`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,254 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Wood Siding
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	Connected

Location & Zoning

Street Address	1388 13TH ST
City	LOS OSOS
State	CA
Zip	93402-1406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TN EL MORO BL 53 LTS 28 & 29
Legal Subdivision	EL MORO
Legal Block	53
Legal Lot Number	28,29
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2008
Census Tract	10701

Owner

1388 13th St is owned by a company that acquired it in July 2019 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	1388 13TH ST, LOS OSOS, CA 93402-1406
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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
Oct 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD
Jul 29, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 26, 2019	Intrafamily Transfer, Transfer · Line of Credit SESLOC FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2007 · Amount on File
Deed Sale	Jun 22, 2007 · Amount on File
Prior Sale	Nov 16, 2006 · Amount on File
Deed Document Number	200742555
Last Transfer Date	Jul 29, 2019
Transfer Doc	0000030284
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1388 13TH ST, LOS OSOS, CA 93402-1406
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1388 13TH ST, LOS OSOS, CA 93402-1406

Mortgage

Document Number	0000055820
Date	Oct 7, 2020
Instrument	2020055820

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 29, 2019
Property Address	1388 13TH ST, LOS OSOS, CA 93402-1406
Document Number	0000030284
Instrument Date	Jul 22, 2019
Instrument	30284
Transaction Type	Transfer
Record Updated	Aug 5, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1388 13TH ST LOS OSOS CA 934021406, LOS OSOS, CA 93402-1406

July 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 26, 2019
Property Address	1388 13TH ST, LOS OSOS, CA 93402-1406
Document Number	0000030083
Map Reference	MB A PG 81
Instrument Date	Jul 22, 2019
Instrument	2019030083
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1388 13TH ST, LOS OSOS, CA 93402-1406

Mortgage

Document Number	0000030084
Date	Jul 26, 2019
Instrument	2019030084

Lender

Name	SESLOC FCU
Type	Bank
Address	SAN LUIS OBISPO, CA 93403

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 25, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1388 13th St was $10,675 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		$750,238 (+2%) Land $334,804 Building $415,434
2025	$10,675.00 Homeowner's exemption	$735,529 Land $328,240 Building $407,289
2023	$10,350.00 (+5.39%) Homeowner's exemption	$706,969 Land $315,495 Building $391,474
2022	$9,821.00

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

Flood

FEMA maps place 1388 13th 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 1388 13th 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.

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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