San Luis Obispo County property record for 1631 15th St, Los Osos, CA 93402
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,200 sqft · built 1975 |
| Lot Size | 0.144 acres (6,250 sqft) |
| Owner | Individual Name on File |
| Last Sale | $490,000 (Dec 2005) |
| Tax Bill | $10,057 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Dec 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 038-472-018 |
| Primary APN | 038-472-018 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,200 sqft Living Area |
| 1st Floor Area | 1,200 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Construction Type | Wood |
| Lot Area | 6,250 sqft (0.144 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Street Address | 1631 15TH ST |
|---|---|
| City | LOS OSOS |
| State | CA |
| Zip | 93402-1812 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | TN EL MORO BL 109 LTS 9 & 10 |
| Legal Subdivision | EL MORO |
| Legal Tract | 1 |
| Legal Block | 109 |
| Legal Lot Number | 9,10 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 10703 |
1631 15th St is owned and occupied by an individual who bought it in December 2005.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1631 15TH ST, LOS OSOS, CA 93402-1812 |
| 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.
| Date | Document |
|---|---|
| May 26, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Dec 2, 2025 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 9, 2005 · Amount on File |
| Deed Sale | Dec 9, 2005 · Amount on File |
| Prior Sale | Apr 13, 2001 · Amount on File |
| Deed Document Number | 2005102807 |
| Prior Transfer Date | Dec 2, 2005 |
| Prior Transfer Doc | 0000102808 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | May 26, 2026 |
| Property Address | 1631 15TH ST, LOS OSOS, CA 93402-1812 |
| Document Number | 0000016283 |
| Instrument Date | May 6, 2026 |
| Instrument | 202616283 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 1631 15TH ST, LOS OSOS, CA 93402-1812 |
| Investor | Possibly a Property Investor |
| Document Number | 0000016283, |
|---|---|
| Date | May 26, 2026 |
| Instrument | 202616283 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1631 15TH ST, LOS OSOS, CA 93402-1812 |
| Transaction Type | Mortgage |
| Record Updated | Jan 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1631 15TH ST, LOS OSOS, CA 93402-1812 |
| Investor | Possibly a Property Investor |
| Document Number | 0000037055 |
|---|---|
| Date | Dec 2, 2025 |
| Instrument | 2025037055 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 1, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 1631 15th St was $10,057 with a homeowner's exemption.
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 | $682,999 (+2%) Land $348,470 Building $334,529 | |
| 2025 | $10,057.00 Homeowner's exemption | $669,608 Land $341,638 Building $327,970 |
| 2023 | $9,754.00 (+0.84%) Homeowner's exemption | $643,609 Land $328,373 Building $315,236 |
| 2022 | $9,673.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 1631 15th 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 risk around 1631 15th St is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Indirect within 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 764 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, GeoLinks, Surfnet Communications, T-Mobile, Verizon.
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