1412 14th St, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 1412 14th St, Los Osos, CA 93402

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,216 sqft · built 1978
Lot Size	0.144 acres (6,250 sqft)
Owner	2 Trust Names on File
Last Sale	$820,000 (Sep 2026)
Tax Bill	$12,835 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jun 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`038-321-002`

Property Details

APN / Parcel Number

Primary APN	`038-321-002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,216 sqft Living Area
1st Floor Area	1,216 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
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	1412 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 45 & 46
Legal Subdivision	EL MORO
Legal Block	79
Legal Lot Number	45,46
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2020
Census Tract	10701

Owner

1412 14th St is owner-occupied and held in a trust since September 2026.

Source: San Luis Obispo County records, as of September 11, 2026

Owner of Record	2 Trust Names on File
Mailing Address	5701 YARROW DR, SANTA MARIA, CA 93455-6116
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Sep 2, 2026	Grant Deed, Transfer · Conventional Mortgage CENTRAL COAST LENDING INC
Jun 14, 2021	Transfer on Death Deed, Transfer
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2026 · Amount on File
Deed Sale	Sep 2, 2026 · Amount on File
Prior Sale	Dec 18, 2015 · Amount on File
Deed Document Number	202628015
Prior Transfer Date	Jun 9, 2021
Prior Transfer Doc	0000042754
Record Updated	Oct 29, 2026

September 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 2, 2026
Property Address	1412 14TH ST, LOS OSOS, CA 93402-1802
Document Number	0000028015
Instrument Date	Aug 4, 2026
Instrument	202628015
Transaction Type	Transfer
Record Updated	Sep 11, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$91,102.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	5701 YARROW DR, SANTA MARIA, CA 93455-6116

Mortgage

Document Number	0000028016,
Date	Sep 2, 2026
Instrument	202628016

Lender

Name	CENTRAL COAST LENDING INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 14, 2021
Property Address	1412 14TH ST, LOS OSOS, CA 93402-1802
Document Number	0000042754
Map Reference	MB A PG 80
Instrument Date	Jun 9, 2021
Instrument	2021042754
Transaction Type	Transfer
Record Updated	Jun 23, 2021

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
Address	1412 14TH ST, LOS OSOS, CA 93402-1802

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1412 14TH ST, LOS OSOS, CA 93402-1802
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1412 14TH ST, LOS OSOS, CA 93402-1802

Mortgage

Document Number	0000052078
Date	Sep 22, 2020
Instrument	2020052078

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1412 14th St was $12,835 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		$555,309 (+2%) Land $332,052 Building $223,257
2025	$12,835.00 Homeowner's exemption	$544,422 Land $325,542 Building $218,880
2023	$8,369.00 (+9.26%) Homeowner's exemption	$523,283 Land $312,901 Building $210,382
2022	$7,660.00

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

Flood

FEMA maps place 1412 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 1412 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.

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