1301 Pacific Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 1301 Pacific Ave, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,421 sqft · built 2025
Lot Size	0.079 acres (3,460 sqft)
Owner	Individual Name on Record
Last Sale	$935,000 (May 2020)
Tax Bill	$11,065 (2025)
Deeds & Mortgages	May 2021 Mortgage May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`064-223-003`

Property Details

APN / Parcel Number

Primary APN	`064-223-003`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,421 sqft Living Area
1st Floor Area	846 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Construction Type	Wood
Lot Area	3,460 sqft (0.079 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	1301 PACIFIC AVE
City	CAYUCOS
State	CA
Zip	93430-1615
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	PR BCH 2 BL 2 LT 7
Legal Subdivision	PASO ROBLES BEACH 02
Legal Block	2
Legal Lot Number	7
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3017
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	Individual Name on Record
Mailing Address	1301 PACIFIC AVE, CAYUCOS, CA 93430-1615
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD
May 1, 2020	Grant Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD
Jun 26, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2020 · Amount on Record
Deed Sale	May 1, 2020 · Amount on Record
Prior Sale	Jul 16, 2010 · Amount on Record
Deed Document Number	202021113
Prior Transfer Date	Jun 16, 2017
Prior Transfer Doc	0000028129
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1301 PACIFIC AVE, CAYUCOS, CA 93430-1615
Transaction Type	Mortgage
Record Updated	May 20, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1301 PACIFIC AVE, CAYUCOS, CA 93430-1615

Mortgage

Document Number	0000035564
Date	May 12, 2021
Instrument	2021035564

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 1, 2020
Property Address	1301 PACIFIC AVE, CAYUCOS, CA 93430-1615
Document Number	0000021113
Map Reference	MB 3 PG 108
Instrument Date	Apr 23, 2020
Instrument	2020021113
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants
Address	1301 PACIFIC AVE, CAYUCOS, CA 93430-1615

Mortgage

Document Number	0000021114
Date	May 1, 2020
Instrument	2020021114

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

Mortgage

Document Number	0000021115
Date	May 1, 2020
Instrument	2020021115

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Amount	Amount Recorded
Term	359 Months
Due	Apr 23, 2050

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 26, 2017
Property Address	1301 PACIFIC AVE, CAYUCOS, CA 93430-1615
Document Number	0000028129
Instrument Date	Jun 16, 2017
Instrument	28129
Transaction Type	Transfer
Record Updated	Jul 6, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1301 PACIFIC AVE CAYUCOS CA 934301615, CAYUCOS, CA 93430-1615

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		$1,714,525 (+61.1%) Land $864,525 Building $850,000
2025	$11,065.00 (+6.07%) Homeowner's exemption	$1,064,274 (+8.28%) Land $847,574 Building $216,700
2023	$10,432.00 (+1.73%) Homeowner's exemption	$982,849 Land $814,662 Building $168,187
2022	$10,255.00

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	Low lower than 93% of the US · lower than 96% of California
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond 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 369 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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