1555 18th St, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 1555 18th St, Los Osos, CA 93402

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 988 sqft · built 1978
Lot Size	0.072 acres (3,125 sqft)
Owner	2 Individual Names on File
Last Sale	$490,000 (Oct 2018)
Tax Bill	$7,776 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`038-412-016`

Property Details

APN / Parcel Number

Primary APN	`038-412-016`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	988 sqft Living Area
1st Floor Area	988 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	3,125 sqft (0.072 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1555 18TH ST
City	LOS OSOS
State	CA
Zip	93402-1830
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TN EL MORO BL 83 LT 13
Legal Subdivision	EL MORO
Legal Block	83
Legal Lot Number	13
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2010
Census Tract	10703

Owner

1555 18th St is owned and occupied by two individuals who bought it in October 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	1555 18TH ST, LOS OSOS, CA 93402-1830
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 16, 2020	Deed of Trust, Mortgage · VA Mortgage ENVOY MORTGAGE LTD
Jul 5, 2019	Deed of Trust, Mortgage · VA Mortgage ENVOY MORTGAGE LTD
Oct 12, 2018	Grant Deed, Transfer · VA Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2018 · Amount on File
Deed Sale	Oct 12, 2018 · Amount on File
Prior Sale	Nov 9, 1995
Deed Document Number	201842874
Prior Transfer Date	Aug 27, 2001
Prior Transfer Doc	0000067559
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1555 18TH ST, LOS OSOS, CA 93402-1830
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1555 18TH ST, LOS OSOS, CA 93402-1830

Mortgage

Document Number	0000066395
Date	Nov 16, 2020
Instrument	2020066395

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1555 18TH ST, LOS OSOS, CA 93402-1830
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026143
Date	Jul 5, 2019
Instrument	2019026143

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2049

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 12, 2018
Property Address	1555 18TH ST, LOS OSOS, CA 93402-1830
Document Number	0000042874
Map Reference	MB A PG81
Instrument Date	Sep 20, 2018
Instrument	2018042874
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1555 18TH ST, LOS OSOS, CA 93402-1830

Mortgage

Document Number	0000042875
Date	Oct 12, 2018
Instrument	2018042875

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1555 18th St was $7,776.

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		$557,416 (+2%) Land $358,412 Building $199,004
2025	$7,776.00	$546,487 Land $351,385 Building $195,102
2023	$7,689.00 (+11.73%)	$525,269 Land $337,742 Building $187,527
2022	$6,882.00

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

Flood

FEMA maps place 1555 18th 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 1555 18th St is moderate, ranking above 46% of the US, with a 0.1% annual chance of 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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