San Luis Obispo County property record for 1401 10th St, Los Osos, CA 93402
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,232 sqft · built 1980 |
| Lot Size | 0.144 acres (6,250 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,812 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Sep 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 038-292-034 |
| Primary APN | 038-292-034 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,232 sqft Living Area |
| 1st Floor Area | 1,232 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 6,250 sqft (0.144 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Street Address | 1401 10TH ST |
|---|---|
| City | LOS OSOS |
| State | CA |
| Zip | 93402-1741 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | TN EL MORO BL 74 LTS 1 & 2 |
| Legal Subdivision | TOWN EL MORO |
| Legal Tract | 74 |
| Legal Block | 74 |
| Legal Lot Number | 1,2 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 10701 |
1401 10th St is owned and occupied by two individuals who acquired it in September 2019.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1401 10TH ST, LOS OSOS, CA 93402-1741 |
| 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 |
|---|---|
| Apr 29, 2022 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Sep 30, 2019 | Quit Claim Deed, Transfer · VA Mortgage SECURE ONE CAP |
| Oct 20, 2018 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Jun 12, 2017 | Intrafamily Transfer, Transfer · FHA Mortgage PARAMOUNT EQUITY MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2019 |
| Deed Sale | Sep 30, 2019 |
| Deed Document Number | 201941406 |
| Prior Transfer Date | Sep 20, 2019 |
| Prior Transfer Doc | 0000041406 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1401 10TH ST, LOS OSOS, CA 93402-1741 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|---|
| Address | 1401 10TH ST, LOS OSOS, CA 93402-1741 |
| Document Number | 0000018969 |
|---|---|
| Date | Apr 29, 2022 |
| Instrument | 2022018969 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Sep 30, 2019 |
| Property Address | 1401 10TH ST, LOS OSOS, CA 93402-1741 |
| Document Number | 0000041406 |
| Instrument Date | Sep 20, 2019 |
| Instrument | 41406 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2019 |
| Title Company | TICOR TITLE ORANGE COUNTY BR, TICOR TITLE ORANGE CNTY BR |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1401 10TH ST LOS OSOS CA 934021741, LOS OSOS, CA 93402-1741 |
| Document Number | 41407 |
|---|---|
| Date | Sep 30, 2019 |
| Instrument | 41407 |
| Name | SECURE ONE CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | COSTA MESA, CA 92626 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 29, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1401 10TH ST, LOS OSOS, CA 93402-1741 |
| Document Number | 0000045051 |
| Instrument Date | Oct 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2018 |
| Title Company | AMROCK TITLE CA INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1401 10TH ST LOS OSOS CA 934021741, LOS OSOS, CA 93402-1741 |
| Document Number | 0000045051 |
|---|---|
| Date | Oct 29, 2018 |
| Instrument | 45051 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 28, 2048 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Jun 12, 2017 |
| Property Address | 1401 10TH ST, LOS OSOS, CA 93402-1741 |
| Document Number | 0000025475 |
| Instrument Date | Jun 6, 2017 |
| Instrument | 2017025475 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | PLACER TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1401 10TH ST, LOS OSOS, CA 93402-1741 |
| Document Number | 0000025476 |
|---|---|
| Date | Jun 12, 2017 |
| Instrument | 2017025476 |
| Name | PARAMOUNT EQUITY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2047 |
The 2025 property tax bill for 1401 10th St was $4,812 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 | $192,622 (+2%) Land $82,845 Building $109,777 | |
| 2025 | $4,812.00 Homeowner's exemption | $188,846 Land $81,221 Building $107,625 |
| 2023 | $4,849.00 (-1.64%) Homeowner's exemption | $181,515 Land $78,068 Building $103,447 |
| 2022 | $4,930.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 1401 10th 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 1401 10th 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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