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Single Family ResidenceResidential
$745,845$509 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

481 ASH ST

LOS OSOS, CA 93402
2
Beds
2.5
Baths
1,465 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
3,700 ft²
Lot SizeThe size of the land the home sits on, from county records.
1978
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$746K
$691K low$801K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$745,845
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$596,676

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,846 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$144,875 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$34,752
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$110,123
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$142,035

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.19
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
70
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
24
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountySAN LUIS OBISPO
Lot (acres)The size of the land the home sits on, from county records.0.09
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.None
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(7)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Monarch Grove Elementary SchoolA-
Elementary · Grades KG–6 · 0.3 mi
M
Los Osos Middle SchoolA-
Middle · Grades 7–8 · 1.6 mi
H
Morro Bay High SchoolA-
High · Grades 9–12 · 4.6 mi

District: San Luis Coastal Unified School District

Neighborhood · ZIP 93402These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.88
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.88
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.336

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.32%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.14,122
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.492 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$93,273
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$112,013
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.19 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.75%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

481 Ash St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 67% of homes in San Luis Obispo County
  • Costs less per square foot than 72% of homes in Los Osos 93402
  • Has a smaller lot than 92% of homes in Los Osos 93402

What homes are worth in Los Osos 93402

Each bar is how many homes fall in that price range. The marker is this home.

This home
$430K$2M

This home is worth more than 38% of homes in Los Osos 93402.

How it measures up in Los Osos 93402

The dot is this home. The mark in the middle is the typical home in Los Osos 93402.

Estimated value$745,845
CheaperTypical $800,742Pricier

Pricier than 38% of homes nearby

Price per ft²$509
CheaperTypical $565Pricier

Pricier than 28% of homes nearby

Living area1,465 ft²
SmallerTypical 1,468 ft²Bigger

Bigger than 50% of homes nearby

Lot size3,700 ft²
SmallerTypical 0.14 acBigger

Bigger than 8% of homes nearby

Year built1978
OlderTypical 1976Newer

Newer than 64% of homes nearby

How 481 Ash St ranks against every home in each area.
MeasureThis homeLos Osos 93402San Luis Obispo County
Estimated valuepricier than$745,84538% of homes33% of homes
Price per ft²pricier than$50928% of homes47% of homes
Living areabigger than1,465 ft²50% of homes38% of homes
Lot sizebigger than3,700 ft²8% of homes16% of homes
Year builtnewer than197864% of homes37% of homes

About 481 Ash St

How much is 481 Ash St, Los Osos, CA worth?

The TopHap Estimate for 481 Ash St, Los Osos, CA is $745,845 as of Jul 14, 2026. The likely range is $691,176 to $800,514. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 481 Ash St, Los Osos, CA last sell?

481 Ash St, Los Osos, CA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 481 Ash St, Los Osos, CA?

481 Ash St, Los Osos, CA has 2 bedrooms, 2.5 bathrooms, 1,465 square feet of living space and a 0.09-acre lot.

When was 481 Ash St, Los Osos, CA built?

481 Ash St, Los Osos, CA was built in 1978, making it 48 years old. The building has 2 stories.

What schools serve 481 Ash St, Los Osos, CA?

481 Ash St, Los Osos, CA is assigned to Monarch Grove Elementary School (elementary), rated A-; Los Osos Middle School (middle), rated A-; Morro Bay High School (high), rated A-. All sit in San Luis Coastal Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 481 Ash St, Los Osos, CA compare to other homes in Los Osos 93402?

Among the 5,886 homes in Los Osos 93402, it is worth more than 38% of them ($745,845 against a typical $800,742), its price per square foot is higher than 28% of them ($509 against a typical $565), it is bigger than 50% of them (1,465 ft² against a typical 1,468 ft²), its lot is bigger than 8% of them (3,700 ft² against a typical 0.14 ac) and it is newer than 64% of them (1978 against a typical 1976). Measured against all of San Luis Obispo County, it is worth more than 33% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 481 Ash St, Los Osos, CA?

The 2025 property tax bill for 481 Ash St, Los Osos, CA was $3,846. The county assessed it at $144,875.

Closest homes

More homes in Los Osos 93402

Assigned schools

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