1197 Cass Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 1197 Cass Ave, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,012 sqft · built 2019
Lot Size	0.092 acres (4,000 sqft)
Owner	Company Name on Record
Tax Bill	$10,550 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Nov 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`064-162-006`

Property Details

APN / Parcel Number

Primary APN	`064-162-006`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,012 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Construction Type	Wood
Lot Area	4,000 sqft (0.092 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Septic

Location & Zoning

Street Address	1197 CASS AVE
City	CAYUCOS
State	CA
Zip	93430-1319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PR BCH 1 BL 17 LT 12
Legal Subdivision	PASO ROBLES BEACH 01
Legal Tract	1
Legal Block	17
Legal Lot Number	12
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3036
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	Company Name on Record
Mailing Address	1197 CASS AVE, CAYUCOS, CA 93430-1319
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Nov 5, 2019	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Feb 19, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Dec 20, 2017	Grant Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 27, 2023
Transfer Doc	0000008832
Record Updated	Sep 20, 2026

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 31, 2023
Property Address	1197 CASS AVE, CAYUCOS, CA 93430-1319
Document Number	0000008832
Map Reference	MB 3 PG 15
Instrument Date	Mar 27, 2023
Instrument	2023008832
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	STATES 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	Living Trust
Address	1197 CASS AVE, CAYUCOS, CA 93430-1319

Mortgage

Document Number	0000008833
Date	Mar 31, 2023
Instrument	2023008833

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1197 CASS AVE, CAYUCOS, CA 93430-1319
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049222
Date	Nov 5, 2019
Instrument	2019049222

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 19, 2020
Property Address	1197 CASS AVE, CAYUCOS, CA 93430-1319
Document Number	0000007950
Instrument Date	Feb 12, 2020
Instrument	7950
Transaction Type	Transfer
Record Updated	Mar 4, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1197 CASS AVE CAYUCOS CA 934301319, CAYUCOS, CA 93430-1319

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 20, 2017
Property Address	1197 CASS AVE, CAYUCOS, CA 93430-1319
Document Number	0000058314
Instrument Date	Aug 2, 2017
Instrument	58314
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$676.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	PO BOX 502 CAYUCOS CA 934300502, CAYUCOS, CA 93430-0502

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		$1,027,622 (+2%) Land $609,305 Building $418,317
2025	$10,550.00 (+1.91%)	$1,007,473 (+4.04%) Land $597,358 Building $410,115
2023	$10,352.00 (+1.71%)	$968,354 Land $574,163 Building $394,191
2022	$10,178.00

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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