155 4th St, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 155 4th St, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,371 sqft · built 1949
Lot Size	0.137 acres (5,968 sqft)
Owner	Trust Name on File
Last Sale	$885,000 (Feb 2017)
Tax Bill	$12,583 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`064-131-017`

Property Details

APN / Parcel Number

Primary APN	`064-131-017`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	2,371 sqft Living Area

Exterior

Year Built	Built 1949
Construction Type	Wood
Lot Area	5,968 sqft (0.137 acres)
Terrain	Other
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	155 4TH ST
City	CAYUCOS
State	CA
Zip	93430-1268
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	40
Legal Description	PM 1/10 PAR 2
Legal Subdivision	PARCEL MAP CO-65-10
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3005
Census Tract	10504

Owner

Source: San Luis Obispo County assessment roll, as of July 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Trust Name on File
Co-owner	2 Verified Secondary Owners
Mailing Address	155 4TH ST, CAYUCOS, CA 93430-1268
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Oct 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD
Feb 17, 2017	Grant Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD
Jan 6, 2017	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	3 Verified Names on Deed
Last Sale	Feb 17, 2017 · Amount on Record
Deed Sale	Feb 17, 2017 · Amount on Record
Prior Sale	Jul 15, 2004
Deed Document Number	2017007726
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	155 4TH ST, CAYUCOS, CA 93430-1268
Transaction Type	Mortgage
Record Updated	Nov 17, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	155 4TH ST, CAYUCOS, CA 93430-1268

Mortgage

Document Number	0000074987
Date	Nov 9, 2021
Instrument	2021074987

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	155 4TH ST, CAYUCOS, CA 93430-1268
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046242
Date	Oct 21, 2019
Instrument	2019046242

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 17, 2017
Property Address	155 4TH ST, CAYUCOS, CA 93430-1268
Document Number	0000007726
Map Reference	PM CO-65-10 MB1 PG10
Instrument Date	Jan 13, 2017
Instrument	2017007726
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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 Trust
Address	504 FIRST ST # A, A, PASO ROBLES, CA 93446-3742

Mortgage

Document Number	0000007727
Date	Feb 17, 2017
Instrument	2017007727

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

January 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 6, 2017
Property Address	155 4TH ST, CAYUCOS, CA 93430-1268
Document Number	0000000936
Instrument Date	Nov 23, 2016
Instrument	936
Transaction Type	Transfer
Record Updated	Jan 20, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 15244 SAN LUIS OBISPO CA 934065244, SAN LUIS OBISPO, CA 93406-5244

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of July 1, 2025

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
2025	$12,583.00 (+1.93%) Homeowner's exemption	$1,211,174 (+4.04%) Land $638,320 Building $572,854
2023	$12,345.00 (+1.72%) Homeowner's exemption	$1,164,144 Land $613,534 Building $550,610
2022	$12,136.00

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	High above 70% of the US · above 44% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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 USA.

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