1097 Cass Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 1097 Cass Ave, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,085 sqft · built 1955
Lot Size	0.092 acres (4,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$725,000 (May 2008)
Tax Bill	$9,980 (2025)
Deeds & Mortgages	Sep 2021 Transfer Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`064-155-016`

Property Details

APN / Parcel Number

Primary APN	`064-155-016`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,085 sqft Living Area
1st Floor Area	1,085 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Construction Type	Wood
Lot Area	4,000 sqft (0.092 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	1097 CASS AVE
City	CAYUCOS
State	CA
Zip	93430-1317
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	PR BCH 1 BL 16 LT 12
Legal Subdivision	PASO ROBLES BEACH 01
Legal Block	16
Legal Lot Number	12
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3035
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 Individual Names on Record
Mailing Address	1097 CASS AVE, CAYUCOS, CA 93430-1317
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Sep 10, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2008 · Amount on Record
Deed Sale	May 16, 2008 · Amount on Record
Prior Sale	Jun 12, 2003 · Amount on Record
Deed Document Number	200825541
Transfer Doc	0000045792
Record Updated	Oct 29, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 13, 2021
Property Address	1097 CASS AVE, CAYUCOS, CA 93430-1317
Document Number	0000062589
Map Reference	MB 3 PG 15
Instrument Date	Jul 26, 2021
Instrument	2021062589
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

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
Relationship	Living Trust
Address	1097 CASS AVE, CAYUCOS, CA 93430-1317

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 10, 2021
Property Address	1097 CASS AVE, CAYUCOS, CA 93430-1317
Document Number	0000062459
Map Reference	MB 3 PG 15
Instrument Date	Jul 26, 2021
Instrument	2021062459
Transaction Type	Transfer
Record Updated	Sep 21, 2021
Title Company	FIDELITY NATIONAL TITLE

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
Relationship	Community Property
Address	1097 CASS AVE, CAYUCOS, CA 93430-1317

Mortgage

Document Number	0000062460
Date	Sep 10, 2021
Instrument	2021062460

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

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		$971,334 (+2%) Land $770,372 Building $200,962
2025	$9,980.00 (+1.91%)	$952,289 (+4.04%) Land $755,267 Building $197,022
2023	$9,793.00 (+1.71%)	$915,312 Land $725,940 Building $189,372
2022	$9,628.00

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
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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