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Single Family ResidenceResidential
$732,194$605 / 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 $425,000 on Jul 19, 2006

539 LOMA ST

LOS OSOS, CA 93402
3
Beds
2
Baths
1,211 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.
0.11 ac
Lot SizeThe size of the land the home sits on, from county records.
1976
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
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

$732K
$681K low$784K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$425,000 · Jul 19, 2006

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,611 (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.$461,654 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$319,243
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$142,411
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$452,603

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.0.12
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(4)

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

539 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.

  • Worth less than 70% of homes in Los Osos 93402
  • Costs more per square foot than 68% of homes in San Luis Obispo County
  • Smaller than 79% of homes in San Luis Obispo County
  • Has a smaller lot than 80% of homes in Los Osos 93402
  • Older than 67% 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$2.1M

This home is worth more than 30% 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$732,194
CheaperTypical $855,163Pricier

Pricier than 30% of homes nearby

Price per ft²$605
CheaperTypical $578Pricier

Pricier than 63% of homes nearby

Living area1,211 ft²
SmallerTypical 1,474 ft²Bigger

Bigger than 30% of homes nearby

Lot size0.11 ac
SmallerTypical 0.14 acBigger

Bigger than 20% of homes nearby

Year built1976
OlderTypical 1976Newer

Newer than 51% of homes nearby

How 539 Loma St ranks against every home in each area.
MeasureThis homeLos Osos 93402San Luis Obispo County
Estimated valuepricier than$732,19430% of homes31% of homes
Price per ft²pricier than$60563% of homes68% of homes
Living areabigger than1,211 ft²30% of homes21% of homes
Lot sizebigger than0.11 ac20% of homes24% of homes
Year builtnewer than197651% of homes33% of homes

About 539 Loma St

How much is 539 Loma St, Los Osos, CA worth?

The TopHap Estimate for 539 Loma St, Los Osos, CA is $732,194 as of Aug 30, 2026. The likely range is $680,640 to $783,748. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 539 Loma St, Los Osos, CA last sell?

539 Loma St, Los Osos, CA last sold on Jul 19, 2006 for $425,000, according to the county's recorded deed.

How big is 539 Loma St, Los Osos, CA?

539 Loma St, Los Osos, CA has 3 bedrooms, 2 bathrooms, 1,211 square feet of living space and a 0.12-acre lot.

When was 539 Loma St, Los Osos, CA built?

539 Loma St, Los Osos, CA was built in 1976, making it 50 years old. The building has 1 story.

What schools serve 539 Loma St, Los Osos, CA?

539 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 539 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 30% of them ($732,194 against a typical $855,163), its price per square foot is higher than 63% of them ($605 against a typical $578), it is bigger than 30% of them (1,211 ft² against a typical 1,474 ft²), its lot is bigger than 20% of them (0.11 ac against a typical 0.14 ac) and it is newer than 51% of them (1976 against a typical 1976). Measured against all of San Luis Obispo County, it is worth more than 31% 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 539 Loma St, Los Osos, CA?

The 2025 property tax bill for 539 Loma St, Los Osos, CA was $7,611. The county assessed it at $461,654.

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