San Luis Obispo County property record for 1504 6th St, Los Osos, CA 93402
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,521 sqft · built 2009 |
| Lot Size | 0.187 acres (8,125 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,790,000 (May 2024) |
| Tax Bill | $23,376 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Jan 2026 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 038-361-038 |
| Primary APN | 038-361-038 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 3,521 sqft Living Area |
| 1st Floor Area | 486 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Construction Type | Wood |
| Lot Area | 8,125 sqft (0.187 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 1504 6TH ST |
|---|---|
| City | LOS OSOS |
| State | CA |
| Zip | 93402-1616 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | TN EL MORO BL 94 LTS 47 & 48 & PTN VACD RD |
| Legal Subdivision | EL MORO |
| Legal Block | 94 |
| Legal Lot Number | 47,48 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 10701 |
Source: San Luis Obispo County records, as of August 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1504 6TH ST, LOS OSOS, CA 93402-1616 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 1, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jan 8, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CITADEL SERVICING CORPORATION |
| May 3, 2024 | Grant Deed, Transfer · Conventional Mortgage CITADEL SERVICING CORPORATION |
| Jul 28, 2023 | Deed of Trust, Mortgage · Commercial Mortgage SESLOC FCU |
| Jan 11, 2019 | Grant Deed, Transfer · ARM FLAGSTAR BANK FSB |
| Aug 21, 2018 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Aug 21, 2018 | Loan Modification, Mortgage · Conventional Mortgage CARRINGTON MTG SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 3, 2024 · Amount on Record |
| Deed Sale | May 3, 2024 · Amount on Record |
| Prior Sale | Jan 11, 2019 · Amount on Record |
| Deed Document Number | 202411773 |
| Prior Transfer Date | Apr 20, 2006 |
| Prior Transfer Doc | 0000029765 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | May 1, 2026 |
| Property Address | 1504 6TH ST, LOS OSOS, CA 93402-1616 |
| Document Number | 0000013540 |
| Instrument Date | Apr 25, 2026 |
| Instrument | 202613540 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 1504 6TH ST, LOS OSOS, CA 93402-1616 |
| Document Number | 0000013540, |
|---|---|
| Date | May 1, 2026 |
| Instrument | 202613540 |
| Name | LOANDEPOT.COM LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1504 6TH ST, LOS OSOS, CA 93402-1616 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2026 |
| Title Company | ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 1504 6TH ST, LOS OSOS, CA 93402-1616 |
| Document Number | 0000000594 |
|---|---|
| Date | Jan 8, 2026 |
| Instrument | 2026000594 |
| Name | CITADEL SERVICING CORPORATION |
|---|---|
| Type | Non-Lending Institution |
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | May 3, 2024 |
| Property Address | 1504 6TH ST, LOS OSOS, CA 93402-1616 |
| Document Number | 0000011773 |
| Map Reference | MB A PG 80 |
| Instrument Date | Feb 26, 2024 |
| Instrument | 2024011773 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2024 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1504 6TH ST, LOS OSOS, CA 93402-1616 |
| Document Number | 0000011774 |
|---|---|
| Date | May 3, 2024 |
| Instrument | 2024011774 |
| Name | CITADEL SERVICING CORPORATION |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1504 6TH ST, LOS OSOS, CA 93402-1616 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2023 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 3395 MICHELSON DR, IRVINE, CA 92612-4438 |
| Document Number | 0000022027 |
|---|---|
| Date | Jul 28, 2023 |
| Instrument | 2023022027 |
| Name | SESLOC FCU |
|---|---|
| Type | Credit Union |
| Address | LOS OSOS, CA 93402 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2038 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Jan 11, 2019 |
| Property Address | 1504 6TH ST, LOS OSOS, CA 93402-1616 |
| Document Number | 0000001249 |
| Map Reference | MB A PG 80 |
| Instrument Date | Dec 17, 2018 |
| Instrument | 2019001249 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | PLACER TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 1504 6TH ST, LOS OSOS, CA 93402-1616 |
| Document Number | 0000001250 |
|---|---|
| Date | Jan 11, 2019 |
| Instrument | 2019001250 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Type Change Date | Feb 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9.87% |
| Index | 1-Year LIBOR |
| Max Rate | 9.87% |
| Document Number | 0000001251 |
|---|---|
| Date | Jan 11, 2019 |
| Instrument | 2019001251 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1504 6TH ST, LOS OSOS, CA 93402-1616 |
| Document Number | 0000036854 |
| Instrument Date | Aug 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2018 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1504 6TH ST LOS OSOS CA 934021616, LOS OSOS, CA 93402-1616 |
| Document Number | 0000036854 |
|---|---|
| Date | Sep 6, 2018 |
| Instrument | 36854 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 5, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1504 6TH ST, LOS OSOS, CA 93402-1616 |
| Document Number | 0000036853 |
| Instrument Date | Aug 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2018 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1504 6TH ST LOS OSOS CA 934021616, LOS OSOS, CA 93402-1616 |
| Document Number | 0000036853 |
|---|---|
| Date | Sep 6, 2018 |
| Instrument | 36853 |
| Name | CARRINGTON MTG SVCS |
|---|---|
| Address | ANAHEIM, CA 92806 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 5, 2048 |
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 | $1,862,316 (+2%) Land $1,040,400 Building $821,916 | |
| 2025 | $23,376.00 (+73.99%) | $1,825,800 (+112.19%) Land $1,020,000 Building $805,800 |
| 2024 | $13,435.00 (+12.68%) | |
| 2023 | $11,923.00 | $860,439 Land $294,854 Building $565,585 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 | 5 in force |
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.
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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