1475 16th St, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 1475 16th St, Los Osos, CA 93402

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,120 sqft · built 1976
Lot Size	0.144 acres (6,250 sqft)
Owner	2 Company Names on Record
Last Sale	$155,000 (Nov 1993)
Tax Bill	$6,660 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`038-322-027`

Property Details

APN / Parcel Number

Primary APN	`038-322-027`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,250 sqft (0.144 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1475 16TH ST
City	LOS OSOS
State	CA
Zip	93402-1816
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TN EL MORO BL 80 LTS 17 & 18
Legal Subdivision	TOWN EL MORO
Legal Block	80
Legal Lot Number	17,18
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2021
Census Tract	10701

Owner

Source: San Luis Obispo County records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	1475 16TH ST, LOS OSOS, CA 93402-1816
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Oct 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 1993 · Amount on Record
Deed Sale	Nov 24, 1993 · Amount on Record
Deed Document Number	199374071
Last Transfer Date	Aug 29, 2025
Transfer Doc	0000025774
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 14, 2026
Property Address	1475 16TH ST, LOS OSOS, CA 93402-1816
Document Number	0000029067
Instrument Date	Sep 8, 2026
Instrument	202629067
Transaction Type	Mortgage
Record Updated	Sep 23, 2026
Title Company	ROCKET TITLE GROUP LLC, ROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	1475 16TH ST, LOS OSOS, CA 93402-1816

Mortgage

Document Number	0000029067,
Date	Sep 14, 2026
Instrument	202629067

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

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

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1475 16TH ST, LOS OSOS, CA 93402-1816
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1475 16TH ST, LOS OSOS, CA 93402-1816

Mortgage

Document Number	0000017934
Date	Mar 9, 2021
Instrument	2021017934

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Nov 1, 2050

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1475 16TH ST, LOS OSOS, CA 93402-1816
Document Number	0000043399
Instrument Date	Oct 10, 2018
Transaction Type	Mortgage
Record Updated	Oct 26, 2018
Title Company	BNT TITLE COMPANY/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1475 16TH ST LOS OSOS CA 934021816, LOS OSOS, CA 93402-1816

Mortgage

Document Number	0000043399
Date	Oct 16, 2018
Instrument	43399

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2048

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1475 16TH ST, LOS OSOS, CA 93402-1816
Document Number	0000057753
Instrument Date	Dec 8, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1475 16TH ST LOS OSOS CA 934021816, LOS OSOS, CA 93402-1816

Mortgage

Document Number	0000057753
Date	Dec 18, 2017
Instrument	57753

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 2047

Tax Assessment & Valuation

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		$268,678 (+2%) Land $156,009 Building $112,669
2025	$6,660.00 (+11.8%) Homeowner's exemption	$263,410 (+4.04%) Land $152,950 Building $110,460
2023	$5,957.00 (+5.96%) Homeowner's exemption	$253,183 Land $147,011 Building $106,172
2022	$5,622.00

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

Flood

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

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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