151 F St, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 151 F St, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 935 sqft · built 2014
Lot Size	0.051 acres (2,200 sqft)
Owner	Individual Name on File
Last Sale	$855,000 (Jul 2017)
Tax Bill	$10,120 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`064-117-025`

Property Details

APN / Parcel Number

Primary APN	`064-117-025`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	935 sqft Living Area
1st Floor Area	935 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Construction Type	Wood
Lot Area	2,200 sqft (0.051 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	151 F ST
City	CAYUCOS
State	CA
Zip	93430-1111
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	MORRO RK VW 3 BL 3 LT 15
Legal Subdivision	MORRO ROCK VIEW 03
Legal Block	3
Legal Lot Number	15
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1039
Census Tract	10504

Owner

151 F St is owned and occupied by an individual who bought it in July 2017.

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

Owner of Record	Individual Name on File
Mailing Address	151 F ST, CAYUCOS, CA 93430-1111
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jul 31, 2017	Grant Deed, Transfer · Conventional Mortgage THAYER FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2017 · Amount on File
Deed Sale	Jul 31, 2017 · Amount on File
Prior Sale	Sep 26, 2013 · Amount on File
Deed Document Number	201733861
Prior Transfer Date	Apr 29, 2009
Prior Transfer Doc	0000064798
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	151 F ST, CAYUCOS, CA 93430-1111
Document Number	0000009071
Instrument Date	Feb 21, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2800 KELLER DR #127 TUSTIN CA 927821017, 127, TUSTIN, CA 92782-1017

Mortgage

Document Number	0000009071
Date	Feb 25, 2020
Instrument	9071

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 24, 2050

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 31, 2017
Property Address	151 F ST, CAYUCOS, CA 93430-1111
Document Number	0000033861
Map Reference	MB3 PG101
Instrument Date	Jun 23, 2017
Instrument	2017033861
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
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
Address	2800 KELLER DR APT 127, 127, TUSTIN, CA 92782-1017

Mortgage

Document Number	0000033862
Date	Jul 31, 2017
Instrument	2017033862

Lender

Name	THAYER FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 151 F St was $10,120 with a homeowner's exemption.

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		$992,296 (+2%) Land $794,999 Building $197,297
2025	$10,120.00 Homeowner's exemption	$972,840 Land $779,411 Building $193,429
2023	$10,001.00 (+1.71%)	$935,066 Land $749,147 Building $185,919
2022	$9,833.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 151 F St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1998.

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 File 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

Wildfire risk around 151 F St is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 63% of the US · lower than 61% 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	MORRO ROCK MUTUAL WATER CO private · serves 2,181 people · EPA ID CA4010015
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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