1890 Nancy Ave, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 1890 Nancy Ave, Los Osos, CA 93402

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,148 sqft · built 1965
Lot Size	0.107 acres (4,650 sqft)
Owner	Individual Name on File
Last Sale	$510,000 (May 2019)
Tax Bill	$8,731 (2025)
Deeds & Mortgages	Aug 2020 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`074-133-024`

Property Details

APN / Parcel Number

Primary APN	`074-133-024`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,148 sqft Living Area
1st Floor Area	1,148 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Wood
Lot Area	4,650 sqft (0.107 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	1890 NANCY AVE
City	LOS OSOS
State	CA
Zip	93402-2416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CUESTA BY THE SEA BL 10 LT 13
Legal Subdivision	CUESTA-BY-THE-SEA
Legal Block	10
Legal Lot Number	13
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2023
Census Tract	10707

Owner

1890 Nancy Ave is owned and occupied by an individual who bought it in May 2019.

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

Owner of Record	Individual Name on File
Mailing Address	1890 NANCY AVE, LOS OSOS, CA 93402-2416
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE GOLDEN 1 CU
May 23, 2019	Grant Deed, Transfer · Conventional Mortgage GOLDEN 1 CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2019 · Amount on File
Deed Sale	May 23, 2019 · Amount on File
Prior Sale	May 7, 2014 · Amount on File
Deed Document Number	201919339
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1890 NANCY AVE, LOS OSOS, CA 93402-2416
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043523
Date	Aug 18, 2020
Instrument	2020043523

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 23, 2019
Property Address	1890 NANCY AVE, LOS OSOS, CA 93402-2416
Document Number	0000019339
Instrument Date	Apr 26, 2019
Instrument	19339
Transaction Type	Transfer
Record Updated	Jun 3, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$561.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1890 NANCY AVE LOS OSOS CA 934022416, LOS OSOS, CA 93402-2416

Mortgage

Document Number	19340
Date	May 23, 2019
Instrument	19340

Lender

Name	GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 22, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1890 Nancy Ave was $8,731 with a homeowner's exemption.

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		$580,287 (+2%) Land $369,791 Building $210,496
2025	$8,731.00 Homeowner's exemption	$568,910 Land $362,541 Building $206,369
2023	$8,420.00 (+3.85%) Homeowner's exemption	$546,820 Land $348,464 Building $198,356
2022	$8,108.00

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

Flood

FEMA maps place 1890 Nancy Ave 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
Flood Insurance Cost	Premium on File 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

Wildfire risk around 1890 Nancy Ave 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	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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