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Single Family ResidenceResidential
$848,452$647 / 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 Aug 30, 2026
Last sold for $323,000 on Sep 12, 2008

520 LOMA ST

LOS OSOS, CA 93402
2
Beds
2
Baths
1,312 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.
4,100 ft²
Lot SizeThe size of the land the home sits on, from county records.
1974
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
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

$848K
$790K low$907K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$323,000 · Sep 12, 2008

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,020 (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.$416,894 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$262,693
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$154,201
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$408,721

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.34
84
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
65
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.33 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

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 · 0.4 mi
M
Los Osos Middle SchoolA-
Middle · Grades 7–8 · 1.5 mi
H
Morro Bay High SchoolA-
High · Grades 9–12 · 4.5 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%

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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

520 Loma 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.

  • Costs more per square foot than 77% of homes in Los Osos 93402
  • Smaller than 73% of homes in San Luis Obispo County
  • Has a smaller lot than 87% of homes in Los Osos 93402
  • Older than 71% of homes in San Luis Obispo County

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 49% 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$848,452
CheaperTypical $853,050Pricier

Pricier than 49% of homes nearby

Price per ft²$647
CheaperTypical $579Pricier

Pricier than 77% of homes nearby

Living area1,312 ft²
SmallerTypical 1,470 ft²Bigger

Bigger than 37% of homes nearby

Lot size4,100 ft²
SmallerTypical 0.14 acBigger

Bigger than 13% of homes nearby

Year built1974
OlderTypical 1976Newer

Newer than 42% of homes nearby

How 520 Loma St ranks against every home in each area.
MeasureThis homeLos Osos 93402San Luis Obispo County
Estimated valuepricier than$848,45249% of homes46% of homes
Price per ft²pricier than$64777% of homes75% of homes
Living areabigger than1,312 ft²37% of homes27% of homes
Lot sizebigger than4,100 ft²13% of homes19% of homes
Year builtnewer than197442% of homes29% of homes

About 520 Loma St

How much is 520 Loma St, Los Osos, CA worth?

The TopHap Estimate for 520 Loma St, Los Osos, CA is $848,452 as of Aug 30, 2026. The likely range is $790,118 to $906,786. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 520 Loma St, Los Osos, CA last sell?

520 Loma St, Los Osos, CA last sold on Sep 12, 2008 for $323,000, according to the county's recorded deed.

How big is 520 Loma St, Los Osos, CA?

520 Loma St, Los Osos, CA has 2 bedrooms, 2 bathrooms, 1,312 square feet of living space and a 0.09-acre lot.

When was 520 Loma St, Los Osos, CA built?

520 Loma St, Los Osos, CA was built in 1974, making it 52 years old. The building has 1 story.

What schools serve 520 Loma St, Los Osos, CA?

520 Loma 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 520 Loma St, Los Osos, CA compare to other homes in Los Osos 93402?

Among the 5,885 homes in Los Osos 93402, it is worth more than 49% of them ($848,452 against a typical $853,050), its price per square foot is higher than 77% of them ($647 against a typical $579), it is bigger than 37% of them (1,312 ft² against a typical 1,470 ft²), its lot is bigger than 13% of them (4,100 ft² against a typical 0.14 ac) and it is newer than 42% of them (1974 against a typical 1976). Measured against all of San Luis Obispo County, it is worth more than 46% 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 520 Loma St, Los Osos, CA?

The 2025 property tax bill for 520 Loma St, Los Osos, CA was $7,020. The county assessed it at $416,894.

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