157 I St, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 157 I St, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,392 sqft · built 2003
Lot Size	0.055 acres (2,400 sqft)
Owner	Company Name on Record
Last Sale	$900,000 (Oct 2007)
Tax Bill	$12,283 (2025)
Deeds & Mortgages	Jul 2021 Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`064-127-021`

Property Details

APN / Parcel Number

Primary APN	`064-127-021`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	2,392 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Construction Type	Masonry / Concrete Block
Lot Area	2,400 sqft (0.055 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	157 I ST
City	CAYUCOS
State	CA
Zip	93430-1166
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	MORRO RK VW 3 BL 6 LTS 17 & PTN LT 18
Legal Subdivision	MORRO ROCK VIEW 03
Legal Block	6
Legal Lot Number	17,18
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1009
Census Tract	10504

Owner

Source: San Luis Obispo County records, as of August 14, 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	157 I ST, CAYUCOS, CA 93430-1166
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage WINNPOINTE CORPORATION
May 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage WINNPOINTE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2007 · Amount on Record
Deed Sale	Oct 10, 2007 · Amount on Record
Prior Sale	Jul 31, 2003 · Amount on Record
Deed Document Number	200766769
Last Transfer Date	Mar 20, 2012
Transfer Doc	0000019592
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	157 I ST, CAYUCOS, CA 93430-1166
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	157 I ST, CAYUCOS, CA 93430-1166

Mortgage

Document Number	0000049756
Date	Jul 16, 2021
Instrument	2021049756

Lender

Name	WINNPOINTE CORPORATION
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2036

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	157 I ST, CAYUCOS, CA 93430-1166
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024069
Date	May 19, 2020
Instrument	2020024069

Lender

Name	WINNPOINTE CORPORATION
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

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		$1,205,796 (+2%) Land $602,898 Building $602,898
2025	$12,283.00 (+1.93%) Homeowner's exemption	$1,182,154 (+4.04%) Land $591,077 Building $591,077
2023	$12,051.00 Homeowner's exemption	$1,136,252 Land $568,126 Building $568,126

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 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 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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