136 Ocean Front Ln, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 136 Ocean Front Ln, Cayucos, CA 93430

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	3,021 sqft · built 2006
Lot Size	0.05 acres (2,178 sqft)
Owner	Company Name on Record
Tax Bill	$9,576 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Feb 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`064-115-013`

Property Details

APN / Parcel Number

Primary APN	`064-115-013`

Interior

Stories	2 Stories
Building Area	3,021 sqft Gross Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	2,178 sqft (0.05 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	136 OCEAN FRONT LN
City	CAYUCOS
State	CA
Zip	93430-1649
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	CR
Legal Description	TN CAY RESB BLS 1 12 & 13BL 2 LT 12
Legal Subdivision	CAYUCOS
Legal Block	1
Legal Lot Number	12
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1022
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	136 OCEAN FRONT LN, CAYUCOS, CA 93430-1649
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2026	Deed of Trust, Mortgage · Commercial Mortgage HILDE A MINKEL
Feb 21, 2017	Deed of Trust, Mortgage MISCELLANEOUS INS CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 14, 1997
Transfer Doc	0000010221
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	136 OCEAN FRONT LN, CAYUCOS, CA 93430-1649
Transaction Type	Mortgage
Record Updated	Jan 27, 2026
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	136 OCEAN FRONT LN, CAYUCOS, CA 93430-1649

Mortgage

Document Number	0000001237
Date	Jan 14, 2026
Instrument	2026001237

Lender

Name	HILDE A MINKEL
Type	Private Party
Address	3591 SACRAMENTO DR STE 122, SAN LUIS OBISPO, CA 93401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	136 OCEAN FRONT LN, CAYUCOS, CA 93430-1649
Document Number	0000010816
Instrument Date	Feb 21, 2017
Transaction Type	Mortgage
Record Updated	Mar 30, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	136 OCEAN FRONT LN CAYUCOS CA 934301649, CAYUCOS, CA 93430-1649

Mortgage

Document Number	0000010816
Date	Mar 10, 2017
Instrument	10816

Lender

Name	MISCELLANEOUS INS CO
Address	HILLSBORO, OR 97124

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 9, 2047

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		$931,413 (+2%) Land $234,463 Building $696,950
2025	$9,576.00 (+1.92%)	$913,151 (+4.04%) Land $229,866 Building $683,285
2023	$9,396.00 (+1.72%)	$877,694 Land $220,941 Building $656,753
2022	$9,237.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 21 individual policies
Nearby Flood Policies	33 units insured incl. 12 condo units
Nearby Flood Claims	7 (1998–2023)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Oct 2023
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 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	Moderate above 58% of the US · lower than 65% of California
Wildfire Likelihood	0.2% 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 380 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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