1540 16th St, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 1540 16th St, Los Osos, CA 93402

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,176 sqft · built 1984
Lot Size	0.144 acres (6,250 sqft)
Owner	2 Individual Names on Record
Tax Bill	$10,226 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`038-411-005`

Property Details

APN / Parcel Number

Primary APN	`038-411-005`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
1st Floor Area	1,176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Construction Type	Wood
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	1540 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 38 & 39
Legal Subdivision	EL MORO
Legal Block	84
Legal Lot Number	38,39
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2011
Census Tract	10703

Owner

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	1540 16TH ST, LOS OSOS, CA 93402-1819
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2021	Intrafamily Transfer, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Aug 19, 2021	Grant Deed, Transfer PLACER TITLE COMPANY
Feb 26, 2019	Grant Deed, Transfer · FHA Mortgage ORION LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2021
Deed Sale	Aug 19, 2021
Prior Sale	Feb 26, 2019 · Amount on Record
Deed Document Number	202157690
Prior Transfer Date	Aug 14, 2021
Prior Transfer Doc	0000057690
Record Updated	Oct 29, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 19, 2021
Property Address	1540 16TH ST, LOS OSOS, CA 93402-1819
Document Number	0000057690
Map Reference	MB A PG 81
Instrument Date	Aug 14, 2021
Instrument	2021057690
Transaction Type	Transfer
Record Updated	Aug 17, 2023
Title Company	PLACER TITLE COMPANY

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	Joint Tenants
Address	1540 16TH ST, LOS OSOS, CA 93402-1819

Mortgage

Document Number	0000057691
Date	Aug 19, 2021
Instrument	2021057691

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 19, 2021
Property Address	1540 16TH ST, LOS OSOS, CA 93402-1819
Document Number	0000057689
Map Reference	MB A PG 81
Instrument Date	Aug 10, 2021
Instrument	2021057689
Transaction Type	Transfer
Record Updated	Aug 17, 2023
Title Company	PLACER TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1540 16TH ST, LOS OSOS, CA 93402-1819

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 26, 2019
Property Address	1540 16TH ST, LOS OSOS, CA 93402-1819
Document Number	0000006650
Instrument Date	Jan 24, 2019
Instrument	6650
Transaction Type	Transfer
Record Updated	Mar 6, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$585.20
Amount Accuracy	Full Value
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1540 16TH ST LOS OSOS CA 934021819, LOS OSOS, CA 93402-1819

Mortgage

Document Number	6652
Date	Feb 26, 2019
Instrument	6652

Lender

Name	ORION LNDG
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2049

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		$681,509 (+2%) Land $442,664 Building $238,845
2025	$10,226.00 (-1.61%)	$668,147 (+4.04%) Land $433,985 Building $234,162
2023	$10,393.00 (+14.99%)	$642,204 Land $417,134 Building $225,070
2022	$9,038.00

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 72% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 106 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Astound Broadband, Peak WiFi, Surfnet Communications.

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