San Luis Obispo County property record for 160 Birch Ave, Cayucos, CA 93430
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 624 sqft · built 2000 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | Company Name on File |
| Tax Bill | $2,616 (2025) |
| Deeds & Mortgages | Sep 2020 Reverse Mortgage Apr 2021 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 064-031-025 |
| Primary APN | 064-031-025 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 624 sqft Living Area |
| 1st Floor Area | 624 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Construction Type | Wood |
| Lot Area | 7,500 sqft (0.172 acres) |
| Terrain | Above Road/Slope |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 160 BIRCH AVE |
|---|---|
| City | CAYUCOS |
| State | CA |
| Zip | 93430-1104 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RMF |
| Legal Description | TN CAYUCOS BL 9 LT 10 |
| Legal Subdivision | TOWN CAYUCOS |
| Legal Block | 9 |
| Legal Lot Number | 10 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 10504 |
Source: San Luis Obispo County records · APN 064-031-025
Assessment roll updated August 6, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 160 BIRCH AVE, CAYUCOS, CA 93430-1104 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Sep 01, 2020 | Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP |
| Apr 20, 2021 | Intrafamily Transfer, Transfer |
| Aug 17, 2020 | Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Oct 07, 2020 |
| Transfer Doc | 0000029396 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 160 BIRCH AVE, CAYUCOS, CA 93430-1104 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FNC TITLE SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 160 BIRCH AVE, CAYUCOS, CA 93430-1104 |
| Document Number | 0000046811 |
|---|---|
| Date | Sep 01, 2020 |
| Instrument | 2020046811 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | ORANGE, CA 92868 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 894 Months |
| Due | Mar 29, 2095 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.08% |
| Type Change Date | Sep 01, 2021 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Apr 20, 2021 |
| Property Address | 160 BIRCH AVE, CAYUCOS, CA 93430-1104 |
| Document Number | 0000029396 |
| Map Reference | MB A PG 160 |
| Instrument Date | Oct 07, 2020 |
| Instrument | 2021029396 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 160 BIRCH AVE, CAYUCOS, CA 93430-1104 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 160 BIRCH AVE, CAYUCOS, CA 93430-1104 |
| Document Number | 0000046812 |
| Instrument Date | Aug 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2020 |
| Title Company | FNC TITLE SERVICES, FNC TITLE SVCS |
| Name | Verified Name |
|---|---|
| Address | 160 BIRCH AVE CAYUCOS CA 934301104, CAYUCOS, CA 93430-1104 |
| Document Number | 0000046812 |
|---|---|
| Date | Sep 01, 2020 |
| Instrument | 46812 |
| Name | COMMISSIONER/HSNG & URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 900 Months |
| Due | Aug 31, 2095 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.08% |
Source: San Luis Obispo County records · Assessment roll updated August 6, 2026 · Last verified August 2026
| 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) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $251,457 (+2%) Land $154,092 Building $97,365 | |
| 2025 | $2,616.00 (+2.23%) Homeowner's exemption | $246,527 (+4.04%) Land $151,071 Building $95,456 |
| 2023 | $2,559.00 (+1.87%) Homeowner's exemption | $236,955 Land $145,205 Building $91,750 |
| 2022 | $2,512.00 |
Source: FEMA National Flood Hazard Layer as of July 22, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, 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 |
|
| Wildfire Risk | High above 70% of the US · above 44% of California |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Indirect within ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
May also be available: Radiate Holdings.
Based on FCC filings for 380 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MORRO ROCK MUTUAL WATER CO private · serves 2,181 people |
|---|---|
| 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 |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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