1404 14th St, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 1404 14th St, Los Osos, CA 93402

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,088 sqft · built 1981
Lot Size	0.144 acres (6,250 sqft)
Owner	Company Name on File
Tax Bill	$5,982 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit Mar 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`038-321-001`

Property Details

APN / Parcel Number

Primary APN	`038-321-001`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,088 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Construction Type	Wood
Lot Area	6,250 sqft (0.144 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1404 14TH ST
City	LOS OSOS
State	CA
Zip	93402-1802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TN EL MORO BL 79 LTS 47 & 48
Legal Subdivision	EL MORO
Legal Block	79
Legal Lot Number	47,48
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2020
Census Tract	10701

Owner

1404 14th St is owned by a company that acquired it in February 2021 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	1404 14TH ST, LOS OSOS, CA 93402-1802
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
Feb 26, 2021	Intrafamily Transfer, Transfer · Line of Credit SESLOC FCU
Mar 2, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Apr 15, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Apr 14, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage SESLOC FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 22, 2021
Transfer Doc	0000015679
Record Updated	Oct 29, 2026

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 26, 2021
Property Address	1404 14TH ST, LOS OSOS, CA 93402-1802
Document Number	0000014946
Map Reference	MB A PG 80
Instrument Date	Feb 22, 2021
Instrument	2021014946
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	1404 14TH ST, LOS OSOS, CA 93402-1802

Mortgage

Document Number	0000014947
Date	Feb 26, 2021
Instrument	2021014947

Lender

Name	SESLOC FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 2, 2021
Property Address	1404 14TH ST, LOS OSOS, CA 93402-1802
Document Number	0000015679
Map Reference	MB A PG 80
Instrument Date	Feb 22, 2021
Instrument	2021015679
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

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	Family Trust
Address	1404 14TH ST, LOS OSOS, CA 93402-1802

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 15, 2020
Property Address	1404 14TH ST, LOS OSOS, CA 93402-1802
Document Number	0000018185
Instrument Date	Mar 13, 2020
Instrument	18185
Transaction Type	Transfer
Record Updated	May 8, 2020
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	Personal Trust
Address	1404 14TH ST LOS OSOS CA 934021802, LOS OSOS, CA 93402-1802

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 14, 2020
Property Address	1404 14TH ST, LOS OSOS, CA 93402-1802
Document Number	0000018097
Map Reference	MB A PG 80
Instrument Date	Mar 13, 2020
Instrument	2020018097
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE CO

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	1404 14TH ST, LOS OSOS, CA 93402-1802

Mortgage

Document Number	0000018098
Date	Apr 14, 2020
Instrument	2020018098

Lender

Name	SESLOC FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1404 14th St was $5,982 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		$275,921 (+2%) Land $63,114 Building $212,807
2025	$5,982.00 Homeowner's exemption	$270,512 Land $61,877 Building $208,635
2023	$5,665.00 (+6.15%) Homeowner's exemption	$260,010 Land $59,475 Building $200,535
2022	$5,337.00

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

Flood

FEMA maps place 1404 14th 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 1404 14th 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.

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.

Nearby Properties on 14th St

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