2191 Willow Dr, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 2191 Willow Dr, Los Osos, CA 93402

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,910 sqft · built 1974
Lot Size	1.86 acres (81,457 sqft)
Owner	2 Individual Names on Record
Last Sale	$206,500 (Aug 2005)
Tax Bill	$2,012 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`074-311-015`

Property Details

APN / Parcel Number

Primary APN	`074-311-015`
Alternative APN	`074312002`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,910 sqft Living Area
1st Floor Area	1,910 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Wood
Lot Area	81,457 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2191 WILLOW DR
City	LOS OSOS
State	CA
Zip	93402-2929
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TR 48 RESERVATION & PTN ABD RD
Legal Subdivision	WESTERLY WILLOW DRIVE
Legal Tract	48
Legal Block	2
Legal Lot Number	5,6
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2033
Census Tract	10703

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	2191 WILLOW DR, LOS OSOS, CA 93402-2929
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2026	Deed of Trust, Mortgage · Line of Credit SESLOC FCU
Nov 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage WEST ONE CAPITAL GROUP INC WEST ONE CAPITAL GROUP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2005 · Amount on Record
Deed Sale	Aug 31, 2005 · Amount on Record
Deed Document Number	200572629
Last Transfer Date	Sep 2, 2005
Transfer Doc	0000074731
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2191 WILLOW DR, LOS OSOS, CA 93402-2929
Transaction Type	Mortgage
Record Updated	Jan 27, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2191 WILLOW DR, LOS OSOS, CA 93402-2929

Mortgage

Document Number	0000000697
Date	Jan 9, 2026
Instrument	2026000697

Lender

Name	SESLOC FCU
Type	Credit Union
Address	SAN LUIS OBISPO, CA 93403

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 8, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2191 WILLOW DR, LOS OSOS, CA 93402-2929
Document Number	0000069202
Instrument Date	Nov 3, 2020
Transaction Type	Mortgage
Record Updated	Dec 7, 2020
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2191 WILLOW DR LOS OSOS CA 934022929, LOS OSOS, CA 93402-2929

Mortgage

Document Number	0000069202
Date	Nov 24, 2020
Instrument	69202

Lender

Name	WEST ONE CAPITAL GROUP INC WEST ONE CAPITAL GROUP INC
Type	Bank
Address	NEWPORT BEACH, CA 92660

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 23, 2050

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		$174,334 (+2%) Land $47,059 Building $127,275
2025	$2,012.00 (+3.66%)	$170,917 (+4.04%) Land $46,137 Building $124,780
2023	$1,941.00 (+6.53%)	$164,283 Land $44,347 Building $119,936
2022	$1,822.00

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	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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