1855 Pine Ave, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 1855 Pine Ave, Los Osos, CA 93402

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 668 sqft · built 1982
Lot Size	0.046 acres (2,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$480,000 (Sep 2021)
Tax Bill	$8,314 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Feb 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`074-147-021`

Property Details

APN / Parcel Number

Primary APN	`074-147-021`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	668 sqft Living Area
1st Floor Area	668 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Construction Type	Wood
Lot Area	2,000 sqft (0.046 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Septic

Location & Zoning

Street Address	1855 PINE AVE
City	LOS OSOS
State	CA
Zip	93402-2525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CUESTA BY THE SEA BL 25 PTN LT 18
Legal Subdivision	CUESTA-BY-THE-SEA
Legal Block	25
Legal Lot Number	18
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2016
Census Tract	10707

Owner

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	1855 PINE AVE, LOS OSOS, CA 93402-2525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 27, 2020	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Jul 31, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 23, 2019	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2021 · Amount on Record
Deed Sale	Sep 10, 2021 · Amount on Record
Prior Sale	Jan 23, 2019 · Amount on Record
Deed Document Number	202162295
Prior Transfer Date	Jul 24, 2019
Prior Transfer Doc	0000030971
Record Updated	Oct 29, 2026

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 10, 2021
Property Address	1855 PINE AVE, LOS OSOS, CA 93402-2525
Document Number	0000062295
Map Reference	MB 3 PG 48
Instrument Date	Sep 3, 2021
Instrument	2021062295
Transaction Type	Transfer
Record Updated	Sep 21, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1855 PINE AVE, LOS OSOS, CA 93402-2525

Mortgage

Document Number	0000062296
Date	Sep 10, 2021
Instrument	2021062296

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1855 PINE AVE, LOS OSOS, CA 93402-2525
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009519
Date	Feb 27, 2020
Instrument	2020009519

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	ALEXANDRIA, VA 22313

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 4, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 31, 2019
Property Address	1855 PINE AVE, LOS OSOS, CA 93402-2525
Document Number	0000030971
Map Reference	MB 3 PG 48
Instrument Date	Jul 24, 2019
Instrument	2019030971
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1243 PISMO AVE, LOS OSOS, CA 93402-1856

Mortgage

Document Number	0000030972
Date	Jul 31, 2019
Instrument	2019030972

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 23, 2019
Property Address	1855 PINE AVE, LOS OSOS, CA 93402-2525
Document Number	0000002451
Map Reference	MB 3 PG 48
Instrument Date	Dec 27, 2018
Instrument	2019002451
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 6594, LOS OSOS, CA 93412-6594

Mortgage

Document Number	0000002452
Date	Jan 23, 2019
Instrument	2019002452

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	San Luis Obispo County
Unified School District	San Luis Coastal Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$519,566 (+2%) Land $378,850 Building $140,716
2025	$8,314.00 (+2.97%)	$509,379 (+4.04%) Land $371,422 Building $137,957
2023	$8,074.00 (+3.61%)	$489,600 Land $357,000 Building $132,600
2022	$7,793.00

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

Flood

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
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (1995)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 1995 · Severe Winter Storms, Flooding Landslides, Mud Flow

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

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.

Drinking Water

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

Water System	GOLDEN STATE WATER COMPANY - LOS OSOS private · serves 5,942 people · EPA ID CA4010017
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 468 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
Starlink Satellite	280 / 30

May also be available: Ranch Wifi, Surfnet Communications.

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