San Luis Obispo County property record for 1635 5th St, Los Osos, CA 93402
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 997 sqft · built 1971 |
| Lot Size | 0.144 acres (6,250 sqft) |
| Owner | Individual Name on File |
| Last Sale | $350,000 (Sep 2014) |
| Tax Bill | $7,282 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 038-422-053 |
| Primary APN | 038-422-053 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 997 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Construction Type | Wood |
| Lot Area | 6,250 sqft (0.144 acres) |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Sewer | Septic |
| Street Address | 1635 5TH ST |
|---|---|
| City | LOS OSOS |
| State | CA |
| Zip | 93402-2103 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | TN EL MORO BL 99 LTS 9 & 10 |
| Legal Subdivision | TOWN/EL MORO |
| Legal Block | 99 |
| Legal Lot Number | 9,10 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 10701 |
1635 5th St is owned and occupied by an individual who bought it in September 2014.
Source: San Luis Obispo County records, as of August 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1635 5TH ST, LOS OSOS, CA 93402-2103 |
| 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 |
|---|---|
| Dec 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Sep 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Jul 28, 2017 | Deed of Trust, Mortgage · Line of Credit GOLDEN 1 CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 26, 2014 · Amount on File |
| Deed Sale | Sep 26, 2014 · Amount on File |
| Prior Sale | Oct 30, 2012 · Amount on File |
| Deed Document Number | 201439512 |
| Prior Transfer Date | Jul 9, 1997 |
| Prior Transfer Doc | 0000058782 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1635 5TH ST, LOS OSOS, CA 93402-2103 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2023 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|---|
| Address | 1635 5TH ST, LOS OSOS, CA 93402-2103 |
| Document Number | 0000084671 |
|---|---|
| Date | Dec 30, 2021 |
| Instrument | 2021084671 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jan 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1635 5TH ST, LOS OSOS, CA 93402-2103 |
| Document Number | 0000044498 |
| Instrument Date | Sep 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2019 |
| Title Company | SPL INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1635 5TH ST LOS OSOS CA 934022103, LOS OSOS, CA 93402-2103 |
| Document Number | 0000044498 |
|---|---|
| Date | Oct 10, 2019 |
| Instrument | 44498 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 9, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1635 5TH ST, LOS OSOS, CA 93402-2103 |
| Document Number | 0000035249 |
| Instrument Date | Jul 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 12, 2017 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 1635 5TH ST LOS OSOS CA 934022103, LOS OSOS, CA 93402-2103 |
| Document Number | 0000035249 |
|---|---|
| Date | Aug 9, 2017 |
| Instrument | 35249 |
| Name | GOLDEN 1 CU |
|---|---|
| Type | Credit Union |
| Address | SACRAMENTO, CA 95826 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 8, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 1635 5th St was $7,282.
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 | $429,050 (+2%) Land $245,174 Building $183,876 | |
| 2025 | $7,282.00 | $420,638 Land $240,367 Building $180,271 |
| 2023 | $7,078.00 (+4%) | $404,306 Land $231,034 Building $173,272 |
| 2022 | $6,806.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 1635 5th 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 1635 5th 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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