110 Chaney Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 110 Chaney Ave, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 825 sqft · built 1960
Lot Size	0.064 acres (2,800 sqft)
Owner	Individual Name on Record
Last Sale	$785,000 (Sep 2026)
Tax Bill	$1,662 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage May 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`064-435-018`

Property Details

APN / Parcel Number

Primary APN	`064-435-018`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Building Area	825 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Construction Type	Masonry / Concrete Block
Lot Area	2,800 sqft (0.064 acres)

Location & Zoning

Street Address	110 CHANEY AVE
City	CAYUCOS
State	CA
Zip	93430-1806
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10
Legal Description	MORRO STR U 1 BL 11 LT 3
Legal Subdivision	MORRO STRAND 01
Legal Block	11
Legal Lot Number	3
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2024
Census Tract	10504

Owner

Source: San Luis Obispo County records, as of September 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3493 OCEAN BLVD, CAYUCOS, CA 93430-1852
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2026	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
May 14, 2021	Intrafamily Transfer, Transfer
May 14, 2021	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2026 · Amount on Record
Deed Sale	Sep 1, 2026 · Amount on Record
Deed Document Number	202627953
Prior Transfer Date	Dec 12, 2025
Prior Transfer Doc	0000038846
Record Updated	Oct 29, 2026

September 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 1, 2026
Property Address	110 CHANEY AVE, CAYUCOS, CA 93430-1806
Document Number	0000027953
Instrument Date	Aug 31, 2026
Instrument	202627953
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$87,213.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3493 OCEAN BLVD, CAYUCOS, CA 93430-1852

Mortgage

Document Number	0000027954,
Date	Sep 1, 2026
Instrument	202627954

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 14, 2021
Property Address	110 CHANEY AVE, CAYUCOS, CA 93430-1806
Document Number	0000036229
Map Reference	MB 3 PG 105
Instrument Date	May 11, 2021
Instrument	2021036229
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	110 CHANEY AVE, CAYUCOS, CA 93430-1806

May 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 14, 2021
Property Address	110 CHANEY AVE, CAYUCOS, CA 93430-1806
Document Number	0000036228
Map Reference	MB 3 PG 105
Instrument Date	May 11, 2021
Instrument	2021036228
Transaction Type	Transfer
Record Updated	May 26, 2021

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	110 CHANEY AVE, CAYUCOS, CA 93430-1806

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		$1,000,000 (+548.46%) Land $800,000 Building $200,000
2025	$1,662.00 (+2.47%) Homeowner's exemption	$154,212 (+4.04%) Land $84,501 Building $69,711
2023	$1,622.00 (+1.95%) Homeowner's exemption	$148,226 Land $81,221 Building $67,005
2022	$1,591.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 20 policies
Nearby Flood Policies	20 in force
Nearby Flood Claims	10 (1983–2016)
Claims Outside the SFHA	6 of 10
Most Recent Claim	Jan 2016 · other causes
Claims by Event	Severe Winter Storms, Flooding, And Debris And Mud Flows, Dec 2010 · 2 claims Severe Winter Storms And Flooding, Feb 1998 · 2 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 claims

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	High above 74% of the US · above 49% of California
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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	SLOCSA #10A - CAYUCOS serves 1,200 people · EPA ID CA4010901
Water Source	Purchased surface water from SLO CSA NO. 10 - CAYUCOS WTP
Last State Inspection	Oct 2024
Lead	1 ppb (2024–2026) 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 355 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Ranch Wifi.

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