1090 Pacific Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 1090 Pacific Ave, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,180 sqft · built 1930
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$3,500,000 (Oct 2019)
Tax Bill	$39,690 (2025)
Deeds & Mortgages	Oct 2019 Transfer Oct 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`064-151-016`

Property Details

APN / Parcel Number

Primary APN	`064-151-016`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,180 sqft Living Area
1st Floor Area	2,180 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Traditional
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	1090 PACIFIC AVE
City	CAYUCOS
State	CA
Zip	93430-1620
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	PR BCH 1 BL 19 LT 6
Legal Subdivision	PASO ROBLES BEACH 01
Legal Block	19
Legal Lot Number	6
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3010
Census Tract	10504

Owner

Source: San Luis Obispo County records, as of August 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	5335 CALF CANYON HWY, SANTA MARGARITA, CA 93453-9740
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2019	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE COMPANY
Oct 4, 2019	Affidavit of Death, Transfer FIRST AMERICAN TITLE
Oct 4, 2019	Grant Deed, Transfer · Conventional Mortgage AMERICAN RIVIERA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2019 · Amount on File
Deed Sale	Oct 4, 2019 · Amount on File
Deed Document Number	201942792
Prior Transfer Date	Sep 30, 2019
Prior Transfer Doc	0000042793
Record Updated	Oct 29, 2026

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 4, 2019
Property Address	1090 PACIFIC AVE, CAYUCOS, CA 93430-1620
Document Number	0000042793
Map Reference	MB 3 PG 15
Instrument Date	Sep 30, 2019
Instrument	2019042793
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5335 CALF CANYON HWY, SANTA MARGARITA, CA 93453-9740

October 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 4, 2019
Property Address	1090 PACIFIC AVE, CAYUCOS, CA 93430-1620
Document Number	0000042791
Instrument Date	Sep 28, 2019
Instrument	42791
Transaction Type	Transfer
Record Updated	Oct 17, 2019
Title Company	FIRST AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1090 PACIFIC AVE CAYUCOS CA 934301620, CAYUCOS, CA 93430-1620

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 4, 2019
Property Address	1090 PACIFIC AVE, CAYUCOS, CA 93430-1620
Document Number	0000042792
Map Reference	MB 3 PG 15
Instrument Date	Sep 27, 2019
Instrument	2019042792
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042794
Date	Oct 4, 2019
Instrument	2019042794

Lender

Name	AMERICAN RIVIERA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Nov 1, 2024
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	6.12%
Index	1-Year LIBOR
Max Rate	9.12%

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of August 6, 2026

Property Jurisdictions

Type	Name
State	California
County	San Luis Obispo County
Elementary School District	Cayucos Elementary School District (KG - 08)
Secondary School District	Coast Unified School District (9-12) (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$3,904,313 (+2%) Land $3,458,108 Building $446,205
2025	$39,690.00 (+1.86%)	$3,827,758 (+4.04%) Land $3,390,302 Building $437,456
2023	$38,964.00 (+1.69%)	$3,679,123 Land $3,258,653 Building $420,470
2022	$38,316.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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 VE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	7 (1993–2016)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Dec 2016 · other causes

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · lower than 65% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CAYUCOS BEACH MUTUAL WATER COMPANY serves 2,567 people · EPA ID CA4010006
Water Source	Purchased surface water from SLO CSA NO. 10 - CAYUCOS WTP
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 540 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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