San Luis Obispo County property record for 1397 15th St, Los Osos, CA 93402
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,518 sqft · built 1986 |
| Lot Size | 0.144 acres (6,250 sqft) |
| Owner | Company Name on File |
| Last Sale | $420,000 (Oct 2010) |
| Tax Bill | $9,303 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 038-241-040 |
| Primary APN | 038-241-040 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,518 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Construction Type | Wood |
| Lot Area | 6,250 sqft (0.144 acres) |
| Terrain | Above Road/Slope |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Street Address | 1397 15TH ST |
|---|---|
| City | LOS OSOS |
| State | CA |
| Zip | 93402-1417 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | TN EL MORO BL 52 LT 23 & 24 |
| Legal Subdivision | EL MORO |
| Legal Block | 52 |
| Legal Lot Number | 23 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 10701 |
1397 15th St is owned by a company that acquired it in December 2011 and is owner-occupied.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1397 15TH ST, LOS OSOS, CA 93402-1417 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 15, 2010 · Amount on File |
| Deed Sale | Oct 15, 2010 · Amount on File |
| Prior Sale | Sep 12, 2008 · Amount on File |
| Deed Document Number | 201051740 |
| Last Transfer Date | Dec 19, 2011 |
| Transfer Doc | 0000064972 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1397 15TH ST, LOS OSOS, CA 93402-1417 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ORANGE COAST TITLE OF NORTHE |
| Name | Verified Name |
|---|---|
| Address | 1397 15TH ST, LOS OSOS, CA 93402-1417 |
| Document Number | 0000055965 |
|---|---|
| Date | Oct 7, 2020 |
| Instrument | 2020055965 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2050 |
The 2025 property tax bill for 1397 15th St was $9,303 with a homeowner's exemption.
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 | $548,845 (+2%) Land $294,024 Building $254,821 | |
| 2025 | $9,303.00 Homeowner's exemption | $538,084 Land $288,259 Building $249,825 |
| 2023 | $8,820.00 (+6.87%) Homeowner's exemption | $517,191 Land $277,066 Building $240,125 |
| 2022 | $8,253.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 1397 15th 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 risk around 1397 15th St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 81% of California |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within 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 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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