282 Madera St, Los Osos, CA 93402 Property Records

San Luis Obispo County property record for 282 Madera St, Los Osos, CA 93402

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,417 sqft · built 1996
Lot Size	0.459 acres (20,000 sqft)
Owner	Company Name on Record
Last Sale	$130,500 (Dec 1994)
Tax Bill	$5,944 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit May 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`074-483-037`

Property Details

APN / Parcel Number

Primary APN	`074-483-037`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,417 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Construction Type	Wood
Lot Area	20,000 sqft (0.459 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	282 MADERA ST
City	LOS OSOS
State	CA
Zip	93402-4203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TR 1342 LT 37
Legal Subdivision	TRACT 1342
Legal Tract	1342
Legal Block	4
Legal Lot Number	37
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	4
Census Block	4004
Census Tract	10707

Owner

Source: San Luis Obispo County records, as of August 13, 2026

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

Owner of Record	Company Name on Record
Mailing Address	282 MADERA ST, LOS OSOS, CA 93402-4203
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Deed of Trust, Mortgage · Line of Credit PACIFIC SERVICE CREDIT UNION
May 24, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 1994 · Amount on Record
Deed Sale	Dec 28, 1994 · Amount on Record
Deed Document Number	199473510
Last Transfer Date	May 24, 2018
Transfer Doc	0000021348
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 5, 2026
Property Address	282 MADERA ST, LOS OSOS, CA 93402-4203
Document Number	0000024909
Instrument Date	Jul 22, 2026
Instrument	202624909
Transaction Type	Mortgage
Record Updated	Aug 13, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust, 221
Address	282 MADERA ST, LOS OSOS, CA 93402-4203

Mortgage

Document Number	0000024909,
Date	Aug 5, 2026
Instrument	202624909

Lender

Name	PACIFIC SERVICE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.49%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 24, 2018
Property Address	282 MADERA ST, LOS OSOS, CA 93402-4203
Document Number	0000021348
Instrument Date	May 24, 2018
Instrument	21348
Transaction Type	Transfer
Record Updated	Jun 11, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	282 MADERA ST LOS OSOS CA 934024203, LOS OSOS, CA 93402-4203

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		$545,324 (+2%) Land $223,392 Building $321,932
2025	$5,944.00 (+3.68%) Homeowner's exemption	$534,632 (+4.04%) Land $219,012 Building $315,620
2023	$5,733.00 (+6.66%) Homeowner's exemption	$513,873 Land $210,508 Building $303,365
2022	$5,375.00

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
Nearby Flood Policies	6 in force

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	Moderate above 57% of the US · lower than 65% of California
Wildfire Likelihood	0.1% 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.

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 301 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: AT&T, Surfnet Communications.

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