1435 14th St, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 1435 14th St, Los Osos, CA 93402

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,189 sqft · built 1978
Lot Size	0.144 acres (6,250 sqft)
Owner	Individual Name on File
Last Sale	$154,000 (Dec 1993)
Tax Bill	$5,561 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jul 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`038-312-016`

Property Details

APN / Parcel Number

Primary APN	`038-312-016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,189 sqft Living Area
1st Floor Area	1,189 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Composition Shingle
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	1435 14TH ST
City	LOS OSOS
State	CA
Zip	93402-1801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TN EL MORO BL 78 LTS 9 & 10
Legal Subdivision	EL MORO
Legal Block	78
Legal Lot Number	9,10
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2019
Census Tract	10701

Owner

1435 14th St is owned and occupied by an individual who acquired it in July 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1435 14TH ST, LOS OSOS, CA 93402-1801
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jul 8, 2022	Affidavit of Death of Joint Tenant, Transfer
Sep 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 16, 2017	Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 1993 · Amount on File
Deed Sale	Dec 13, 1993 · Amount on File
Deed Document Number	199377481
Last Transfer Date	Jul 1, 2022
Transfer Doc	0000028186
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1435 14TH ST, LOS OSOS, CA 93402-1801
Transaction Type	Mortgage
Record Updated	Mar 3, 2023
Title Company	TITLE CONNECT CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1435 14TH ST, LOS OSOS, CA 93402-1801

Mortgage

Document Number	0000075450
Date	Nov 12, 2021
Instrument	2021075450

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	346 Months
Due	Sep 1, 2050

July 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 8, 2022
Property Address	1435 14TH ST, LOS OSOS, CA 93402-1801
Document Number	0000028186
Map Reference	MB A PG 80
Instrument Date	Jul 7, 2022
Instrument	2022028186
Transaction Type	Transfer
Record Updated	Mar 3, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1435 14TH ST, LOS OSOS, CA 93402-1801

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1435 14TH ST, LOS OSOS, CA 93402-1801
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1435 14TH ST, LOS OSOS, CA 93402-1801

Mortgage

Document Number	0000048542
Date	Sep 9, 2020
Instrument	2020048542

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jul 1, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1435 14TH ST, LOS OSOS, CA 93402-1801
Document Number	0000059515
Instrument Date	Dec 16, 2017
Transaction Type	Mortgage
Record Updated	Jan 8, 2018
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1435 14TH ST LOS OSOS CA 934021801, LOS OSOS, CA 93402-1801

Mortgage

Document Number	0000059515
Date	Dec 28, 2017
Instrument	59515

Lender

Name	OPTIMUM FIRST INC
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 27, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1435 14th St was $5,561 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		$266,940 (+2%) Land $156,009 Building $110,931
2025	$5,561.00 Homeowner's exemption	$261,706 Land $152,950 Building $108,756
2023	$5,467.00 (+4.15%) Homeowner's exemption	$251,545 Land $147,011 Building $104,534
2022	$5,249.00

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

Flood

FEMA maps place 1435 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 1435 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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