San Luis Obispo County property record for 1821 13th St, Los Osos, CA 93402
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,750 sqft · built 1984 |
| Lot Size | 0.144 acres (6,250 sqft) |
| Owner | Individual Name on File |
| Last Sale | $895,000 (Jul 2024) |
| Tax Bill | $12,325 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 038-592-011 |
| Primary APN | 038-592-011 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,750 sqft Living Area |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| 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 | 1821 13TH ST |
|---|---|
| City | LOS OSOS |
| State | CA |
| Zip | 93402-2805 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | TN EL MORO BL 133 LTS 5 & 6 |
| Legal Subdivision | EL MORO |
| Legal Tract | 1 |
| Legal Block | 133 |
| Legal Lot Number | 5,6 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 10703 |
1821 13th St is owned and occupied by an individual who bought it in July 2024.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 6651, LOS OSOS, CA 93412-6651 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
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 |
|---|---|
| Apr 20, 2026 | Deed of Trust, Mortgage · VA Mortgage NAVY FEDERAL CREDIT UNION |
| May 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 3, 2024 · Amount on File |
| Deed Sale | Jul 3, 2024 · Amount on File |
| Prior Sale | May 25, 2012 · Amount on File |
| Deed Document Number | 202417734 |
| Prior Transfer Date | Mar 16, 1995 |
| Prior Transfer Doc | 0000017376 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Apr 20, 2026 |
| Property Address | 1821 13TH ST, LOS OSOS, CA 93402-2805 |
| Document Number | 0000011859 |
| Instrument Date | Apr 15, 2026 |
| Instrument | 202611859 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NAVY FEDERAL TITLE/CALIFORNIA, NAVY FEDERAL TITLE OF CALIFO |
| Name | Verified Name |
|---|---|
| Relationship | Community Property, 149 |
| Address | 1821 13TH ST, LOS OSOS, CA 93402-2805 |
| Document Number | 0000011859, |
|---|---|
| Date | Apr 20, 2026 |
| Instrument | 202611859 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1821 13TH ST, LOS OSOS, CA 93402-2805 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 1821 13TH ST, LOS OSOS, CA 93402-2805 |
| Document Number | 0000039611 |
|---|---|
| Date | May 28, 2021 |
| Instrument | 2021039611 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1821 13TH ST, LOS OSOS, CA 93402-2805 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY NATIONAL TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000020529 |
|---|---|
| Date | Apr 28, 2020 |
| Instrument | 2020020529 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
The 2025 property tax bill for 1821 13th St was $12,325 with a homeowner's exemption, up 71.2% from the year before.
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 | $912,900 (+2%) Land $484,500 Building $428,400 | |
| 2025 | $12,325.00 (+71.2%) | $895,000 Land $475,000 Building $420,000 |
| 2024 | $7,199.00 (+2.54%) | |
| 2023 | $7,021.00 (+4.65%) | $380,282 Land $181,086 Building $199,196 |
| 2022 | $6,709.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 1821 13th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1995.
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.
Wildfire risk around 1821 13th 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 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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