San Luis Obispo County property record for 1645 14th St, Los Osos, CA 93402
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,718 sqft · built 1974 |
| Lot Size | 0.144 acres (6,250 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $615,000 (Nov 2019) |
| Tax Bill | $10,846 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Nov 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 038-471-020 |
| Primary APN | 038-471-020 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,718 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| 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 | HVAC |
| Sewer | Connected |
| Street Address | 1645 14TH ST |
|---|---|
| City | LOS OSOS |
| State | CA |
| Zip | 93402-1805 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | TN EL MORO BL 108 LTS 11 & 12 |
| Legal Subdivision | EL MORO |
| Legal Block | 108 |
| Legal Lot Number | 11,12 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 10703 |
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 | 1645 14TH ST, LOS OSOS, CA 93402-1805 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 10, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 7, 2019 | Grant Deed, Transfer · Conventional Mortgage JETER 1998 TRUST (PT) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 7, 2019 · Amount on Record |
| Deed Sale | Nov 7, 2019 · Amount on Record |
| Prior Sale | Dec 15, 2004 · Amount on Record |
| Deed Document Number | 201949695 |
| Last Transfer Date | Apr 1, 2020 |
| Transfer Doc | 0000017441 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Apr 10, 2020 |
| Property Address | 1645 14TH ST, LOS OSOS, CA 93402-1805 |
| Document Number | 0000017441 |
| Map Reference | MB A PG 80 |
| Instrument Date | Apr 1, 2020 |
| Instrument | 2020017441 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1645 14TH ST, LOS OSOS, CA 93402-1805 |
| Document Number | 0000017442 |
|---|---|
| Date | Apr 10, 2020 |
| Instrument | 2020017442 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Nov 7, 2019 |
| Property Address | 1645 14TH ST, LOS OSOS, CA 93402-1805 |
| Document Number | 0000049695 |
| Instrument Date | Oct 28, 2019 |
| Instrument | 49695 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $676.50 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1645 14TH ST LOS OSOS CA 934021805, LOS OSOS, CA 93402-1805 |
| Document Number | 49696 |
|---|---|
| Date | Nov 7, 2019 |
| Instrument | 49696 |
| Name | JETER 1998 TRUST (PT) |
|---|---|
| Address | 2221 EMERALD CIR, MORRO BAY, CA 93442-1587 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $686,039 (+2%) Land $334,654 Building $351,385 | |
| 2025 | $10,846.00 (+4.67%) Homeowner's exemption | $672,589 (+4.04%) Land $328,093 Building $344,496 |
| 2023 | $10,362.00 (+5.68%) Homeowner's exemption | $646,473 Land $315,353 Building $331,120 |
| 2022 | $9,805.00 |
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 | 3 in force |
| Nearby Flood Claims | 1 (1995) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 1995 · Severe Winter Storms, Flooding, Landslides, Mud Flows |
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 | 0.02% 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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