2190 Willow Dr, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 2190 Willow Dr, Los Osos, CA 93402

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,863 sqft · built 1974
Lot Size	1.56 acres (68,389 sqft)
Owner	Company Name on File
Last Sale	$500,000 (Sep 2013)
Tax Bill	$7,703 (2025)
Deeds & Mortgages	Mar 2023 Transfer Jan 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`074-313-006`

Property Details

APN / Parcel Number

Primary APN	`074-313-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,863 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Wood
Lot Area	68,389 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Water Source	Well

Location & Zoning

Street Address	2190 WILLOW DR
City	LOS OSOS
State	CA
Zip	93402-2930
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	TR 48 BL 8 LT 1 LESS RD
Legal Subdivision	TRACT 48
Legal Tract	48
Legal Block	8
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

2190 Willow Dr is owned by a company that bought it in September 2013 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	2190 WILLOW DR, LOS OSOS, CA 93402-2930
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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
Mar 24, 2023	Intrafamily Transfer, Transfer
Jan 4, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jun 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage LADERA LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2013 · Amount on File
Deed Sale	Sep 27, 2013 · Amount on File
Deed Document Number	201355429
Prior Transfer Date	Sep 10, 1993
Prior Transfer Doc	0000072400
Record Updated	Oct 29, 2026

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 24, 2023
Property Address	2190 WILLOW DR, LOS OSOS, CA 93402-2930
Document Number	0000008054
Map Reference	MB 5 PG 66
Instrument Date	Mar 24, 2023
Instrument	2023008054
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Address	2190 WILLOW DR, LOS OSOS, CA 93402-2930

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2190 WILLOW DR, LOS OSOS, CA 93402-2930
Transaction Type	Mortgage
Record Updated	Jan 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2190 WILLOW DR, LOS OSOS, CA 93402-2930

Mortgage

Document Number	0000000485
Date	Jan 4, 2022
Instrument	2022000485

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Dec 5, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2190 WILLOW DR, LOS OSOS, CA 93402-2930
Document Number	0000035324
Instrument Date	Jun 23, 2020
Transaction Type	Mortgage
Record Updated	Jul 29, 2020
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2190 WILLOW DR SAN LUIS OBISPO CA 934022930, SAN LUIS OBISPO, CA 93402-2930

Mortgage

Document Number	0000035324
Date	Jul 14, 2020
Instrument	35324

Lender

Name	LADERA LNDG
Address	LADERA RANCH, CA 92694

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 13, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2190 Willow Dr was $7,703 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		$708,094 (+2%) Land $281,331 Building $426,763
2025	$7,703.00 Homeowner's exemption	$694,211 Land $275,815 Building $418,396
2023	$7,431.00 (+6.68%) Homeowner's exemption	$667,255 Land $265,105 Building $402,150
2022	$6,966.00

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

Flood

FEMA maps place 2190 Willow Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2190 Willow Dr is moderate, ranking above 42% of the US, with a 0.07% annual chance of 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	Direct burnable vegetation

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 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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