1096 Cass Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 1096 Cass Ave, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,090 sqft · built 1972
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Company Names on Record
Tax Bill	$3,800 (2025)
Deeds & Mortgages	Jul 2026 Transfer Nov 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`064-154-001`

Property Details

APN / Parcel Number

Primary APN	`064-154-001`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,090 sqft Living Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Construction Type	Wood
Lot Area	5,000 sqft (0.115 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	1096 CASS AVE
City	CAYUCOS
State	CA
Zip	93430-1318
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	PR BCH 1 BL 15 LT 1
Legal Subdivision	PASO ROBLES BEACH 01
Legal Block	15
Legal Lot Number	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3012
Census Tract	10504

Owner

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	2 Company Names on Record
Mailing Address	1096 CASS AVE, CAYUCOS, CA 93430-1318
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Affidavit of Death of Trustee, Transfer
Nov 19, 2021	Deed of Trust, Mortgage · Line of Credit MECHANICS BANK
Oct 26, 2017	Deed of Trust, Mortgage · Line of Credit RABOBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 28, 2011
Transfer Doc	0000054453
Record Updated	Sep 20, 2026

July 2026: Affidavit of Death of Trustee, Transfer

Document Type	Affidavit of Death of Trustee
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 6, 2026
Property Address	1096 CASS AVE, CAYUCOS, CA 93430-1318
Document Number	0000021037
Instrument Date	Jun 30, 2026
Instrument	202621037
Transaction Type	Transfer
Record Updated	Aug 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	1096 CASS AVE, CAYUCOS, CA 93430-1318

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1096 CASS AVE, CAYUCOS, CA 93430-1318
Transaction Type	Mortgage
Record Updated	Dec 7, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1096 CASS AVE 1098, 1098, CAYUCOS, CA 93430-1318

Mortgage

Document Number	0000077061
Date	Nov 19, 2021
Instrument	2021077061

Lender

Name	MECHANICS BANK
Type	Bank
Address	SANTA MARIA, CA 93456

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1096 CASS AVE, CAYUCOS, CA 93430-1318
Document Number	0000050431
Instrument Date	Oct 26, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	1096 CASS AVE CAYUCOS CA 934301318, CAYUCOS, CA 93430-1318

Mortgage

Document Number	0000050431
Date	Nov 2, 2017
Instrument	50431

Lender

Name	RABOBANK
Type	Bank
Address	CAYUCOS, CA 93430-0497

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$354,583 (+2%) Land $146,225 Building $208,358
2025	$3,800.00 (+2.29%) Homeowner's exemption	$347,631 (+4.04%) Land $143,358 Building $204,273
2023	$3,715.00 (+1.89%) Homeowner's exemption	$334,135 Land $137,793 Building $196,342
2022	$3,646.00

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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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