San Luis Obispo County property record for 1520 8th St, Los Osos, CA 93402
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,690 sqft · built 1985 |
| Lot Size | 0.144 acres (6,250 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $605,000 (Mar 2018) |
| Tax Bill | $10,288 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Mar 2018 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 038-371-002 |
| Primary APN | 038-371-002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,690 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Construction Type | Wood |
| Lot Area | 6,250 sqft (0.144 acres) |
| Lot Dimensions | 125 ft deep x 50 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 1520 8TH ST |
|---|---|
| City | LOS OSOS |
| State | CA |
| Zip | 93402-1624 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | TN EL MORO BL 92 LTS 43 & 44 |
| Legal Subdivision | TOWN/EL MORO |
| Legal Block | 92 |
| Legal Lot Number | 43,44 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 10701 |
1520 8th St is owned and occupied by two individuals who bought it in March 2018.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1520 8TH ST, LOS OSOS, CA 93402-1624 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 30, 2018 | Affidavit of Death, Transfer FIRST AMERICAN TITLE |
| Mar 30, 2018 | Grant Deed, Transfer · ARM RECOVO MORTGAGE MANAGEMENT LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 30, 2018 · Amount on File |
| Deed Sale | Mar 30, 2018 · Amount on File |
| Deed Document Number | 201812804 |
| Prior Transfer Date | Feb 21, 2018 |
| Prior Transfer Doc | 0000012803 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1520 8TH ST, LOS OSOS, CA 93402-1624 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 1520 8TH ST, LOS OSOS, CA 93402-1624 |
| Document Number | 0000045336 |
|---|---|
| Date | Aug 26, 2020 |
| Instrument | 2020045336 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Mar 30, 2018 |
| Property Address | 1520 8TH ST, LOS OSOS, CA 93402-1624 |
| Document Number | 0000012803 |
| Instrument Date | Feb 21, 2018 |
| Instrument | 12803 |
| Transaction Type | Transfer |
| Record Updated | Apr 9, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1520 8TH ST LOS OSOS CA 934021624, LOS OSOS, CA 93402-1624 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Mar 30, 2018 |
| Property Address | 1520 8TH ST, LOS OSOS, CA 93402-1624 |
| Document Number | 0000012804 |
| Map Reference | MB A PG80 |
| Instrument Date | Feb 21, 2018 |
| Instrument | 2018012804 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| 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 |
|---|---|
| Relationship | Joint Tenants |
| Address | 1520 8TH ST, LOS OSOS, CA 93402-1624 |
| Document Number | 0000012805 |
|---|---|
| Date | Mar 30, 2018 |
| Instrument | 2018012805 |
| Name | RECOVO MORTGAGE MANAGEMENT LLC |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Apr 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 6% |
| Max Rate At Change | 8% |
| Index | 1-Year LIBOR |
| Max Rate | 11% |
The 2025 property tax bill for 1520 8th St was $10,288.
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 | $707,270 (+2%) Land $348,173 Building $359,097 | |
| 2025 | $10,288.00 | $693,403 Land $341,347 Building $352,056 |
| 2023 | $9,927.00 (+5.91%) | $666,479 Land $328,093 Building $338,386 |
| 2022 | $9,373.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 1520 8th St in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 1520 8th St is low, with a 0.01% annual chance of wildfire.
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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