14 12th St, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 14 12th St, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,217 sqft · built 2006
Lot Size	0.115 acres (5,000 sqft)
Owner	Company Name on Record
Last Sale	$2,800,000 (Dec 2021)
Tax Bill	$30,842 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Oct 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`064-222-010`

Property Details

APN / Parcel Number

Primary APN	`064-222-010`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,217 sqft Living Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Wood
Lot Area	5,000 sqft (0.115 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	14 12TH ST
City	CAYUCOS
State	CA
Zip	93430-1307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	PR BCH 1 BL 20 LT 12
Legal Subdivision	PASO ROBLES BEACH 01
Legal Block	20
Legal Lot Number	12
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3021
Census Tract	10504

Owner

Source: San Luis Obispo County records, as of August 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	701 W CENTER AVE, VISALIA, CA 93291-6015
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2021	Grant Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC
Oct 20, 2017	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2021 · Amount on Record
Deed Sale	Dec 30, 2021 · Amount on Record
Prior Sale	Oct 20, 2017 · Amount on Record
Deed Document Number	202184551
Prior Transfer Date	Aug 14, 2012
Prior Transfer Doc	0000052128
Record Updated	Oct 29, 2026

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 30, 2021
Property Address	14 12TH ST, CAYUCOS, CA 93430-1307
Document Number	0000084551
Map Reference	MB 3 PG 15
Instrument Date	Dec 10, 2021
Instrument	2021084551
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	CHICAGO 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	Family Revocable Trust
Address	700 W CENTER AVE, VISALIA, CA 93291-6016

Mortgage

Document Number	0000084552
Date	Dec 30, 2021
Instrument	2021084552

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 20, 2017
Property Address	14 12TH ST, CAYUCOS, CA 93430-1307
Document Number	0000048142
Instrument Date	Sep 16, 2017
Instrument	48142
Transaction Type	Transfer
Record Updated	Nov 2, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$1,980.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	950 WILD OATS WAY TEMPLETON CA 934655611, TEMPLETON, CA 93465-5611

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		$3,030,808 (+2%) Land $2,056,620 Building $974,188
2025	$30,842.00 (+1.87%)	$2,971,382 (+4.04%) Land $2,016,295 Building $955,087
2023	$30,276.00 (+1.69%)	$2,856,000 Land $1,938,000 Building $918,000
2022	$29,772.00

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	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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