1520 16th St, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 1520 16th St, Los Osos, CA 93402

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,633 sqft · built 1983
Lot Size	0.215 acres (9,375 sqft)
Owner	Company Name on File
Tax Bill	$6,108 (2025)
Deeds & Mortgages	May 2022 Mortgage Sep 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`038-411-003`

Property Details

APN / Parcel Number

Primary APN	`038-411-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,633 sqft Living Area
1st Floor Area	1,633 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Construction Type	Wood
Lot Area	9,375 sqft (0.215 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	1520 16TH ST
City	LOS OSOS
State	CA
Zip	93402-1819
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TN EL MORO BL 84 LTS 42 TO 44
Legal Subdivision	TOWN EL MORO
Legal Block	84
Legal Lot Number	42
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2011
Census Tract	10703

Owner

1520 16th St is owned by a company that acquired it in August 2023 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	1520 16TH ST, LOS OSOS, CA 93402-1819
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
May 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 11, 2023	Affidavit of Death of Joint Tenant, Transfer
Sep 11, 2023	Intrafamily Transfer, Transfer
Mar 9, 2020	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Nov 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 10, 2023
Transfer Doc	0000026709
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1520 16TH ST, LOS OSOS, CA 93402-1819
Transaction Type	Mortgage
Record Updated	Aug 17, 2023
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1520 16TH ST, LOS OSOS, CA 93402-1819

Mortgage

Document Number	0000021652
Date	May 19, 2022
Instrument	2022021652

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

September 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 11, 2023
Property Address	1520 16TH ST, LOS OSOS, CA 93402-1819
Document Number	0000026708
Map Reference	MB A PG 81
Instrument Date	Aug 10, 2023
Instrument	2023026708
Transaction Type	Transfer
Record Updated	Sep 21, 2023

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	1520 16TH ST, LOS OSOS, CA 93402-1819

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 11, 2023
Property Address	1520 16TH ST, LOS OSOS, CA 93402-1819
Document Number	0000026709
Map Reference	MB A PG 81
Instrument Date	Aug 10, 2023
Instrument	2023026709
Transaction Type	Transfer
Record Updated	Sep 21, 2023

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	1520 16TH ST, LOS OSOS, CA 93402-1819

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1520 16TH ST, LOS OSOS, CA 93402-1819
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CALIFORNIA TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011458
Date	Mar 9, 2020
Instrument	2020011458

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 28, 2050

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1520 16TH ST, LOS OSOS, CA 93402-1819
Document Number	0000049198
Instrument Date	Nov 20, 2018
Transaction Type	Mortgage
Record Updated	Dec 11, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1520 16TH ST LOS OSOS CA 934021819, LOS OSOS, CA 93402-1819

Mortgage

Document Number	0000049198
Date	Nov 29, 2018
Instrument	49198

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 28, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.99%

Tax Assessment & Valuation

The 2025 property tax bill for 1520 16th St was $6,108 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		$352,579 (+2%) Land $180,346 Building $172,233
2025	$6,108.00 Homeowner's exemption	$345,666 Land $176,810 Building $168,856
2023	$6,150.00 (+1.91%) Homeowner's exemption	$332,246 Land $169,946 Building $162,300
2022	$6,035.00

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

Flood

FEMA maps place 1520 16th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 22, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1520 16th 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 16th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures