San Luis Obispo County property record for 1593 5th St, Los Osos, CA 93402
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,342 sqft · built 1985 |
| Lot Size | 0.144 acres (6,250 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $350,000 (May 2010) |
| Tax Bill | $7,571 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 038-351-033 |
| Primary APN | 038-351-033 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,342 sqft Living Area |
| 1st Floor Area | 1,342 sqft |
| 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) |
| Terrain | Below Road/Slope |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Street Address | 1593 5TH ST |
|---|---|
| City | LOS OSOS |
| State | CA |
| Zip | 93402-1611 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | TN EL MORO BL 96 LTS 23 & 24 |
| Legal Subdivision | EL MORO |
| Legal Block | 96 |
| Legal Lot Number | 23,24 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 3 |
| Census Block | 3004 |
| 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 | 1593 5TH ST, LOS OSOS, CA 93402-1611 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Feb 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| May 3, 2022 | Deed of Trust, Mortgage · Line of Credit SESLOC FCU |
| Oct 2, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 14, 2010 · Amount on Record |
| Deed Sale | May 14, 2010 · Amount on Record |
| Prior Sale | Jan 27, 2010 · Amount on Record |
| Deed Document Number | 201022571 |
| Prior Transfer Date | Mar 26, 2007 |
| Prior Transfer Doc | 0000021546 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1593 5TH ST, LOS OSOS, CA 93402-1611 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2023 |
| Title Company | ADVANTAGE TITLE INC, ADVANTAGE TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 1593 5TH ST, LOS OSOS, CA 93402-1611 |
| Document Number | 0000062813 |
|---|---|
| Date | Sep 13, 2021 |
| Instrument | 2021062813 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1593 5TH ST, LOS OSOS, CA 93402-1611 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2023 |
| Title Company | ADVANTAGE TITLE INC, ADVANTAGE TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 1593 5TH ST, LOS OSOS, CA 93402-1611 |
| Document Number | 0000012940 |
|---|---|
| Date | Feb 18, 2021 |
| Instrument | 2021012940 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1593 5TH ST, LOS OSOS, CA 93402-1611 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2023 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 1593 5TH ST, LOS OSOS, CA 93402-1611 |
| Document Number | 0000019366 |
|---|---|
| Date | May 3, 2022 |
| Instrument | 2022019366 |
| Name | SESLOC FCU |
|---|---|
| Type | Credit Union |
| Address | SAN LUIS OBISPO, CA 93403 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 2, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1593 5TH ST, LOS OSOS, CA 93402-1611 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2021 |
| Title Company | ADVANTAGE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0000044195 |
|---|---|
| Date | Oct 2, 2017 |
| Instrument | 2017044195 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 1, 2037 |
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 | $460,804 (+2%) Land $230,402 Building $230,402 | |
| 2025 | $7,571.00 (+4.41%) | $451,770 (+4.04%) Land $225,885 Building $225,885 |
| 2023 | $7,251.00 (+4.9%) | $434,228 Land $217,114 Building $217,114 |
| 2022 | $6,912.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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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