San Luis Obispo County property record for 1684 16th St, Los Osos, CA 93402
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,641 sqft · built 1978 |
| Lot Size | 0.144 acres (6,250 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $495,000 (May 2006) |
| Tax Bill | $10,402 (2025) |
| Deeds & Mortgages | Feb 2024 Line of Credit Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 038-482-010 |
| Primary APN | 038-482-010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,641 sqft Living Area |
| 1st Floor Area | 1,641 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| 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 | 1684 16TH ST |
|---|---|
| City | LOS OSOS |
| State | CA |
| Zip | 93402-1821 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | TN EL MORO BL 111 LTS 29 & 30 |
| Legal Subdivision | EL MORO |
| Legal Block | 111 |
| Legal Lot Number | 29,30 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 10703 |
1684 16th St is owned and occupied by two individuals who bought it in May 2006.
Source: San Luis Obispo County records, as of August 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1684 16TH ST, LOS OSOS, CA 93402-1821 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Feb 20, 2024 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Aug 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Jan 11, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FINANCIAL PTRS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 17, 2006 · Amount on File |
| Deed Sale | May 17, 2006 · Amount on File |
| Prior Sale | Aug 28, 1998 · Amount on File |
| Deed Document Number | 200634281 |
| Prior Transfer Date | Dec 22, 1993 |
| Prior Transfer Doc | 0000024831 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1684 16TH ST, LOS OSOS, CA 93402-1821 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2024 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 1684 16TH ST, LOS OSOS, CA 93402-1821 |
| Document Number | 0000004219 |
|---|---|
| Date | Feb 20, 2024 |
| Instrument | 2024004219 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 5, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1684 16TH ST, LOS OSOS, CA 93402-1821 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2023 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 1684 16TH ST, SAN LUIS OBISPO, CA 93402-1821 |
| Document Number | 0000054793 |
|---|---|
| Date | Aug 4, 2021 |
| Instrument | 2021054793 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Sep 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1684 16TH ST, LOS OSOS, CA 93402-1821 |
| Document Number | 0000003010 |
| Instrument Date | Jan 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1684 16TH ST LOS OSOS CA 934021821, LOS OSOS, CA 93402-1821 |
| Document Number | 0000003010 |
|---|---|
| Date | Jan 24, 2018 |
| Instrument | 3010 |
| Name | FINANCIAL PTRS CU |
|---|---|
| Type | Credit Union |
| Address | DOWNEY, CA 90242 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 23, 2033 |
The 2025 property tax bill for 1684 16th St was $10,402 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 | $689,970 (+2%) Land $348,470 Building $341,500 | |
| 2025 | $10,402.00 Homeowner's exemption | $676,442 Land $341,638 Building $334,804 |
| 2023 | $10,089.00 (+5.23%) Homeowner's exemption | $650,177 Land $328,373 Building $321,804 |
| 2022 | $9,588.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 1684 16th 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 1684 16th 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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