San Luis Obispo County property record for 784 Ramona Ave, Los Osos, CA 93402
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,567 sqft · built 2003 |
| Lot Size | 0.144 acres (6,250 sqft) |
| Owner | Company Name on Record |
| Last Sale | $830,000 (Jul 2021) |
| Tax Bill | $12,246 (2025) |
| Deeds & Mortgages | May 2022 Line of Credit Jul 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 038-422-036 |
| Primary APN | 038-422-036 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,567 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Construction Type | Wood |
| Lot Area | 6,250 sqft (0.144 acres) |
| Terrain | Below Road/Slope |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Street Address | 784 RAMONA AVE |
|---|---|
| City | LOS OSOS |
| State | CA |
| Zip | 93402-2136 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | TN EL MORO BL 99 LTS 23 & 24 |
| Legal Subdivision | EL MORO |
| Legal Block | 99 |
| Legal Lot Number | 23,24 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 10701 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 3378 N MCCALL AVE, SANGER, CA 93657-9385 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| May 9, 2022 | Deed of Trust, Mortgage · Line of Credit THE GOLDEN 1 CU |
| Jul 22, 2021 | Grant Deed, Transfer PLACER TITLE COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 22, 2021 · Amount on Record |
| Deed Sale | Jul 22, 2021 · Amount on Record |
| Prior Sale | Jul 10, 2001 · Amount on Record |
| Deed Document Number | 202152156 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 784 RAMONA AVE, LOS OSOS, CA 93402-2136 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2023 |
| Title Company | PLACER TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 3378 N MCCALL AVE, SANGER, CA 93657-9385 |
| Document Number | 0000020243 |
|---|---|
| Date | May 9, 2022 |
| Instrument | 2022020243 |
| Name | THE GOLDEN 1 CU |
|---|---|
| Type | Credit Union |
| Address | SACRAMENTO, CA 95826 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Jul 22, 2021 |
| Property Address | 784 RAMONA AVE, LOS OSOS, CA 93402-2136 |
| Document Number | 0000052156 |
| Map Reference | MB A PG 80 |
| Instrument Date | Jul 19, 2021 |
| Instrument | 2021052156 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2023 |
| Title Company | PLACER TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Living Trust |
| Address | 3378 N MCCALL AVE, SANGER, CA 93657-9385 |
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 | $898,417 (+2%) Land $324,729 Building $573,688 | |
| 2025 | $12,246.00 (+2.73%) | $880,802 (+4.04%) Land $318,362 Building $562,440 |
| 2023 | $11,921.00 (+3.7%) | $846,600 Land $306,000 Building $540,600 |
| 2022 | $11,496.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 | 5 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.
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 | LOS OSOS COMMUNITY SERVICES DISTRICT serves 7,086 people · EPA ID CA4010016 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2023 |
| Lead | 1 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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