San Luis Obispo County property record for 541 Ramona Ave, Los Osos, CA 93402
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,344 sqft · built 1977 |
| Lot Size | 0.092 acres (4,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $505,000 (Sep 2015) |
| Tax Bill | $9,643 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 074-114-010 |
| Primary APN | 074-114-010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,344 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Construction Type | Wood |
| Lot Area | 4,000 sqft (0.092 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Street Address | 541 RAMONA AVE |
|---|---|
| City | LOS OSOS |
| State | CA |
| Zip | 93402-2030 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | CUESTA BY THE SEA BL 32 LT 8 |
| Legal Subdivision | CUESTA BY SEA |
| Legal Block | 32 |
| Legal Lot Number | 8 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 10707 |
541 Ramona Ave is owned and occupied by two individuals who acquired it in August 2020.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 541 RAMONA AVE, LOS OSOS, CA 93402-2030 |
| 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.
| Date | Document |
|---|---|
| Jun 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MCJAB INC |
| Sep 11, 2019 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Aug 28, 2020 | Quit Claim Deed, Transfer MCJAB INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 18, 2015 · Amount on File |
| Deed Sale | Sep 18, 2015 · Amount on File |
| Prior Sale | Aug 29, 2003 · Amount on File |
| Deed Document Number | 201547792 |
| Last Transfer Date | Aug 18, 2020 |
| Transfer Doc | 0000046137 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 541 RAMONA AVE, LOS OSOS, CA 93402-2030 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2023 |
| Title Company | PACIFIC COAST TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 541 RAMONA AVE, LOS OSOS, CA 93402-2030 |
| Document Number | 0000040024 |
|---|---|
| Date | Jun 1, 2021 |
| Instrument | 2021040024 |
| Name | MCJAB INC |
|---|---|
| Type | Non-Lending Institution |
| Address | SAN DIEGO, CA 92123 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 541 RAMONA AVE, LOS OSOS, CA 93402-2030 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2021 |
| Title Company | AMROCK TITLE CALIFORNIA INC |
| Name | Verified Name |
|---|
| Document Number | 0000038110 |
|---|---|
| Date | Sep 11, 2019 |
| Instrument | 2019038110 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 1, 2039 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Aug 28, 2020 |
| Property Address | 541 RAMONA AVE, LOS OSOS, CA 93402-2030 |
| Document Number | 0000046137 |
| Instrument Date | Aug 18, 2020 |
| Instrument | 46137 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2020 |
| Title Company | PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO. |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 541 RAMONA AVE LOS OSOS CA 934022030, LOS OSOS, CA 93402-2030 |
| Document Number | 46138 |
|---|---|
| Date | Aug 28, 2020 |
| Instrument | 46138 |
| Name | MCJAB INC |
|---|---|
| Address | SAN DIEGO, CA 92123 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Aug 27, 2040 |
The 2025 property tax bill for 541 Ramona Ave was $9,643 with a homeowner's exemption, up 7.3% from the year before.
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Unified School District | San Luis Coastal Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $609,765 (+2%) Land $362,238 Building $247,527 | |
| 2025 | $9,643.00 (+7.29%) Homeowner's exemption | $597,810 Land $355,136 Building $242,674 |
| 2024 | $8,988.00 (+2.37%) | |
| 2023 | $8,780.00 (+5.2%) Homeowner's exemption | $574,598 Land $341,347 Building $233,251 |
| 2022 | $8,346.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 541 Ramona Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 risk around 541 Ramona Ave is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 478 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 |
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