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1688 5th St, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 1688 5th St, Los Osos, CA 93402

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,288 sqft · built 1971
Lot Size0.144 acres (6,250 sqft)
Owner2 Individual Names on File
Last Sale$893,000 (Nov 2023)
Tax Bill$12,212 (2025)
Deeds & MortgagesNov 2023 Sale & Mortgage
Jun 2023 Mortgage
+ 10 more
Flood ZoneZone X (minimal risk)
APN038-431-035

Property Details

APN / Parcel Number

Primary APN038-431-035

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories2 Stories
Building Area1,288 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1971
Effective Year BuiltEffective 1971
Construction TypeWood
Lot Area6,250 sqft (0.144 acres)
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemHVAC
SewerSeptic

Location & Zoning

Street Address1688 5TH ST
CityLOS OSOS
StateCA
Zip93402-2104
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRSF
Legal DescriptionTN EL MORO BL 100 LT 27 & 28
Legal SubdivisionEL MORO
Legal Block100
Legal Lot Number27
JurisdictionSAN LUIS OBISPO CA
Township / Civil DivisionNORTH COAST
Census Block Group3
Census Block3003
Census Tract10701

Owner

1688 5th St is owned and occupied by two individuals who bought it in November 2023.

Source: San Luis Obispo County records, as of August 6, 2026

Owner of Record2 Individual Names on File
Mailing Address1688 5TH ST, LOS OSOS, CA 93402-2104
OccupancyOwner Occupied
Owner TypeIndividual
VestingCommunity Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Nov 15, 2023Grant Deed, Transfer · Conventional Mortgage
GUARANTEED RATE INC
Jun 22, 2023Intrafamily Transfer, Transfer · Commercial Mortgage
SCOTT & NICOLE CURSEY FAMILY TRUST
Jan 31, 2023Intrafamily Transfer, Transfer
Nov 23, 2022Intrafamily Transfer, Transfer · Commercial Mortgage
ALIRED & COMPANY ESCROW SERVICES
Oct 5, 2022Intrafamily Transfer, Transfer
Aug 30, 2022Intrafamily Transfer, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Sep 9, 2020Quit Claim Deed, Transfer
PUBLIC TITLE COMPANY, PUBLIC TITLE CO
Feb 27, 2020Quit Claim Deed, Transfer
NOT AVAILABLE
Oct 18, 2019Quit Claim Deed, Transfer
FIRST AMERICAN TITLE
Oct 18, 2019Grant Deed, Transfer · Conventional Mortgage
FLAGSTAR BANK FSB
Oct 18, 2019Quit Claim Deed
FIRST AMERICAN TITLE
Sep 28, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 15, 2023 · Amount on File
Deed SaleNov 15, 2023 · Amount on File
Prior SaleOct 18, 2019 · Amount on File
Deed Document Number202334503
Prior Transfer DateSep 2, 2020
Prior Transfer Doc0000048888
Record UpdatedOct 29, 2026

November 2023: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN LUIS OBISPO CA
Recording DateNov 15, 2023
Property Address1688 5TH ST, LOS OSOS, CA 93402-2104
Document Number0000034503
Map ReferenceMB A PG 80
Instrument DateOct 19, 2023
Instrument2023034503
Transaction TypeTransfer
Record UpdatedDec 4, 2023
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property
Address1688 5TH ST, LOS OSOS, CA 93402-2104

Mortgage

Document Number0000034504
DateNov 15, 2023
Instrument2023034504
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2053

June 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN LUIS OBISPO CA
Recording DateJun 22, 2023
Property Address1688 5TH ST, LOS OSOS, CA 93402-2104
Document Number0000017604
Map ReferenceMB A PG 80
Instrument DateJun 12, 2023
Instrument2023017604
Transaction TypeTransfer
Record UpdatedAug 17, 2023
Title CompanyPLACER TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address1688 5TH ST, LOS OSOS, CA 93402-2104

Mortgage

Document Number0000017605
DateJun 22, 2023
Instrument2023017605
Lender
NameSCOTT & NICOLE CURSEY FAMILY TRUST
TypePrivate Party
Agreement
TypeCommercial Mortgage
AmountAmount on Record

January 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN LUIS OBISPO CA
Recording DateJan 31, 2023
Property Address1688 5TH ST, LOS OSOS, CA 93402-2104
Document Number0000002906
Map ReferenceMB A PG 80
Instrument DateJan 1, 2023
Instrument2023002906
Transaction TypeTransfer
Record UpdatedAug 17, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address1688 5TH ST, LOS OSOS, CA 93402-2104

November 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN LUIS OBISPO CA
Recording DateNov 23, 2022
Property Address1688 5TH ST, LOS OSOS, CA 93402-2104
Document Number0000045824
Map ReferenceMB A PG 80
Instrument DateOct 25, 2022
Instrument2022045824
Transaction TypeTransfer
Record UpdatedAug 17, 2023
Title CompanyFIRST AMERICAN TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address1688 5TH ST, LOS OSOS, CA 93402-2104

Mortgage

Document Number0000045825
DateNov 23, 2022
Instrument2022045825
Lender
NameALIRED & COMPANY ESCROW SERVICES
TypeNon-Lending Institution
AddressSAN LUIS OBISPO, CA 93406
Agreement
TypeCommercial Mortgage
AmountAmount on Record

October 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN LUIS OBISPO CA
Recording DateOct 5, 2022
Property Address1688 5TH ST, LOS OSOS, CA 93402-2104
Document Number0000039069
Map ReferenceMB A PG 80
Instrument DateOct 4, 2022
Instrument2022039069
Transaction TypeTransfer
Record UpdatedAug 17, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address1688 5TH ST, SAN LUIS OBISPO, CA 93402-2104

August 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN LUIS OBISPO CA
Recording DateAug 30, 2022
Property Address1688 5TH ST, LOS OSOS, CA 93402-2104
Document Number0000034852
Map ReferenceMB A PG 80
Instrument DateAug 24, 2022
Instrument2022034852
Transaction TypeTransfer
Record UpdatedAug 17, 2023
Title CompanyFIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address1688 5TH ST, LOS OSOS, CA 93402-2104

Mortgage

Document Number0000034853
DateAug 30, 2022
Instrument2022034853
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2052

September 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN LUIS OBISPO CA
Recording DateSep 9, 2020
Property Address1688 5TH ST, LOS OSOS, CA 93402-2104
Document Number0000048888
Instrument DateSep 2, 2020
Instrument48888
Transaction TypeTransfer
Record UpdatedSep 21, 2020
Title CompanyPUBLIC TITLE COMPANY, PUBLIC TITLE CO

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address1688 5TH ST LOS OSOS CA 934022104, LOS OSOS, CA 93402-2104

February 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN LUIS OBISPO CA
Recording DateFeb 27, 2020
Property Address1688 5TH ST, LOS OSOS, CA 93402-2104
Document Number0000009486
Instrument DateFeb 22, 2020
Instrument9486
Transaction TypeTransfer
Record UpdatedMar 11, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer
  • Partial Interest

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1688 5TH ST LOS OSOS CA 934022104, LOS OSOS, CA 93402-2104

October 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN LUIS OBISPO CA
Recording DateOct 18, 2019
Property Address1688 5TH ST, LOS OSOS, CA 93402-2104
Document Number0000046191
Instrument DateOct 16, 2019
Instrument46191
Transaction TypeTransfer
Record UpdatedOct 29, 2019
Title CompanyFIRST AMERICAN TITLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1178 8TH ST LOS OSOS CA 934021225, LOS OSOS, CA 93402-1225

October 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN LUIS OBISPO CA
Recording DateOct 18, 2019
Property Address1688 5TH ST, LOS OSOS, CA 93402-2104
Document Number0000046192
Map ReferenceMB A PG 80
Instrument DateOct 15, 2019
Instrument2019046192
Transaction TypeTransfer
Record UpdatedAug 9, 2021
Title CompanyFIRST AMERICAN TITLE COMPANY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants

Mortgage

Document Number0000046193
DateOct 18, 2019
Instrument2019046193
Lender
NameFLAGSTAR BANK FSB
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2049

October 2019: Quit Claim Deed

Document TypeQuit Claim Deed
JurisdictionSAN LUIS OBISPO CA
Recording DateOct 18, 2019
Property Address1688 5TH ST, LOS OSOS, CA 93402-2104
Document Number0000046190
Instrument DateAug 20, 2018
Instrument46190
Record UpdatedOct 29, 2019
Title CompanyFIRST AMERICAN TITLE

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 6946 LOS OSOS CA 934126946, LOS OSOS, CA 93412-6946

September 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN LUIS OBISPO CA
Recording DateSep 28, 2017
Property Address1688 5TH ST, LOS OSOS, CA 93402-2104
Document Number0000043553
Instrument DateSep 20, 2017
Instrument43553
Transaction TypeTransfer
Record UpdatedOct 11, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address1178 8TH ST LOS OSOS CA 934021225, LOS OSOS, CA 93402-1225

Tax Assessment & Valuation

The 2025 property tax bill for 1688 5th St was $12,212.

Source: San Luis Obispo County assessment roll, as of August 6, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Luis Obispo County
Unified School DistrictSan Luis Coastal Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$929,077 (+2%) Land $624,240 Building $304,837
2025$12,212.00$910,860 Land $612,000 Building $298,860
2023$8,325.00 (+2.64%) Homeowner's exemption$551,866 (+2%) Land $325,864 Building $226,002
2022$8,111.00 Homeowner's exemption$541,046 Land $319,475 Building $221,571

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 1688 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies5 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

Wildfire risk around 1688 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 RiskLow
lower than 80% of the US · lower than 88% of California
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemLOS OSOS COMMUNITY SERVICES DISTRICT
serves 7,086 people · EPA ID CA4010016
Water SourceGroundwater
Last State InspectionMar 2023
Lead1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 682 locations within half a mile, as of December 31, 2025

ProviderMax 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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