San Luis Obispo County property record for 1686 4th St, Los Osos, CA 93402
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,858 sqft · built 1988 |
| Lot Size | 0.166 acres (7,250 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $690,000 (Apr 2018) |
| Tax Bill | $11,986 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Oct 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 038-422-047 |
| Primary APN | 038-422-047 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,409 sqft Living Area |
| 1st Floor Area | 551 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Construction Type | Wood |
| Lot Area | 7,250 sqft (0.166 acres) |
| Terrain | Above Road/Slope |
| Parking Spaces | 2 Parking Spaces |
| Total Buildings | 2 Buildings |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Street Address | 1686 4TH ST |
|---|---|
| City | LOS OSOS |
| State | CA |
| Zip | 93402-2102 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | PM 41-22 PAR 2 |
| Legal Subdivision | PARCEL MAP COAL-85-134 |
| Legal Block | 3 |
| 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 | 1686 4TH ST, LOS OSOS, CA 93402-2102 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Sep 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage IMC MORTGAGE CORP |
| Oct 18, 2019 | Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION |
| Apr 6, 2018 | Grant Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 6, 2018 · Amount on Record |
| Deed Sale | Apr 6, 2018 · Amount on Record |
| Deed Document Number | 201813758 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1686 4TH ST, LOS OSOS, CA 93402-2102 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | BOSTON NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000050704 |
|---|---|
| Date | Sep 17, 2020 |
| Instrument | 2020050704 |
| Name | IMC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1686 4TH ST, LOS OSOS, CA 93402-2102 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ORANGE COAST TITLE ONTARIO |
| Name | Verified Name |
|---|
| Document Number | 0000045876 |
|---|---|
| Date | Oct 18, 2019 |
| Instrument | 2019045876 |
| Name | OWNING CORPORATION |
|---|---|
| Type | Non-Lending Institution |
| Address | ORANGE, CA 92868 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Apr 6, 2018 |
| Property Address | 1686 4TH ST, LOS OSOS, CA 93402-2102 |
| Document Number | 0000013758 |
| Map Reference | MB41 PG22 |
| Instrument Date | Mar 13, 2018 |
| Instrument | 2018013758 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | FIRST AMERICAN TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 1686 4TH ST, LOS OSOS, CA 93402-2102 |
| Document Number | 0000013760 |
|---|---|
| Date | Apr 6, 2018 |
| Instrument | 2018013760 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2048 |
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 | $800,332 (+2%) Land $377,187 Building $423,145 | |
| 2025 | $11,986.00 (+6.58%) Homeowner's exemption | $784,641 (+4.04%) Land $369,792 Building $414,849 |
| 2023 | $11,246.00 (+4.41%) Homeowner's exemption | $754,175 Land $355,434 Building $398,741 |
| 2022 | $10,771.00 |
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 | Direct burnable vegetation |
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 478 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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