1898 Willow Dr, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 1898 Willow Dr, Los Osos, CA 93402

Property Summary

Property Type	Rural Home
Details	2 bd · 3 ba · 1,390 sqft · built 1972
Lot Size	1.01 acres (43,995 sqft)
Owner	Owner Name on Record
Last Sale	$670,000 (Apr 2003)
Tax Bill	$10,674 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`074-411-001`

Property Details

APN / Parcel Number

Primary APN	`074-411-001`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,390 sqft Living Area
Gross Area	2,590 sqft

Exterior

Year Built	Built 1972
Construction Type	Wood
Lot Area	43,995 sqft (1.01 acres)
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	1898 WILLOW DR
City	LOS OSOS
State	CA
Zip	93402-2924
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RS
Legal Description	TR 93 BL 1 LT 1
Legal Subdivision	93
Legal Tract	93
Legal Block	1
Legal Lot Number	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2019
Census Tract	10703

Owner

Source: San Luis Obispo County records, as of September 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on Record
Mailing Address	1898 WILLOW DR, LOS OSOS, CA 93402-2924
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jun 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2003 · Amount on Record
Deed Sale	Apr 4, 2003 · Amount on Record
Prior Sale	Nov 14, 2005
Deed Document Number	0000033919
Record Updated	Jun 7, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1898 WILLOW DR, LOS OSOS, CA 93402-2924
Transaction Type	Mortgage
Record Updated	Jul 2, 2021
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1898 WILLOW DR, LOS OSOS, CA 93402-2924

Mortgage

Document Number	0000043729
Date	Jun 18, 2021
Instrument	2021043729

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	172 Months
Due	Oct 1, 2035

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1898 WILLOW DR, LOS OSOS, CA 93402-2924
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031980
Date	Jun 29, 2020
Instrument	2020031980

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2035

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of July 1, 2025

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
2025	$10,674.00 (+3.7%) Homeowner's exemption	$962,806 (+4.04%) Land $431,105 Building $531,701
2023	$10,293.00 (+6.67%) Homeowner's exemption	$925,420 Land $414,365 Building $511,055
2022	$9,649.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 42% of the US · lower than 75% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Internet Providers

Source: FCC Broadband Data Collection, based on 207 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Ranch Wifi Fixed Wireless	100 / 20

May also be available: Astound Broadband, Surfnet Communications, T-Mobile.

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