176 I St, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 176 I St, Cayucos, CA 93430 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,570 sqft · built 1957
Lot Size	0.091 acres (4,000 sqft)
Owner	2 Company Names on File
Last Sale	$1,047,500 (May 2022)
Tax Bill	$11,622 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`064-128-004`

Property Details

APN / Parcel Number

Primary APN	`064-128-004`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	2,570 sqft Living Area

Exterior

Year Built	Built 1957
Construction Type	Wood
Lot Area	4,000 sqft (0.091 acres)

Location & Zoning

Street Address	176 I ST
City	CAYUCOS
State	CA
Zip	93430-1165
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MORRO RK VW 3 BL 7 LTS 7 & 8
Legal Subdivision	MORRO ROCK VIEW SUB 03
Legal Block	7
Legal Lot Number	7,8 8
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1008
Census Tract	10504

Owner

Source: San Luis Obispo County records · APN 064-128-004

Assessment roll updated July 1, 2025 · Last verified October 2025

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

Owner of Record	2 Company Names on File
Co-owner	Verified Secondary Owner
Mailing Address	3760 WILLOW CREEK RD, PASO ROBLES, CA 93446-9699
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 27, 2022	Grant Deed, Transfer · Conventional Mortgage STIFEL BANK & TRUST
Jan 29, 2021	Deed of Trust, Mortgage FREMONT BANK
Jul 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage RABOBANK
Jul 26, 2017	Affidavit of Death, Mortgage · Conventional Mortgage RABOBANK

Assessor's Deed Record

Deed Names	3 Verified Names on Deed
Last Sale	May 27, 2022 · Amount on Record
Deed Sale	May 27, 2022 · Amount on Record
Deed Document Number	2022022782
Record Updated	Jun 08, 2026

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 27, 2022
Property Address	176 I ST, CAYUCOS, CA 93430-1165
Document Number	0000022782
Map Reference	MB 3 PG 101
Instrument Date	May 20, 2022
Instrument	2022022782
Transaction Type	Transfer
Record Updated	Jun 07, 2023
Title Company	PLACER 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	376O WILLOW CREEK ROAD, PASO ROBLES, CA 93446

Mortgage

Document Number	0000022783
Date	May 27, 2022
Instrument	2022022783

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jun 01, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.75%
Index	Other
Margin	3
Max Rate	8.75%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	176 I ST, CAYUCOS, CA 93430-1165
Transaction Type	Mortgage
Record Updated	Feb 09, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 I ST, CAYUCOS, CA 93430-1165

Mortgage

Document Number	0000007015
Date	Jan 29, 2021
Instrument	2021007015

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	176 I ST, CAYUCOS, CA 93430-1165
Document Number	0000045590
Instrument Date	Jul 18, 2017
Transaction Type	Mortgage
Record Updated	Oct 19, 2017
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	PO BOX 486 CAYUCOS CA 934300486, CAYUCOS, CA 93430-0486

Mortgage

Document Number	0000045590
Date	Oct 11, 2017
Instrument	45590

Lender

Name	RABOBANK
Type	Bank
Address	ARROYO GRANDE, CA 93421-6002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2047

July 2017: Affidavit of Death, Mortgage

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 26, 2017
Property Address	176 I ST, CAYUCOS, CA 93430-1165
Document Number	0000032722
Instrument Date	Jun 20, 2017
Instrument	32722
Transaction Type	Mortgage
Record Updated	Aug 04, 2017
Title Company	FIDELITY NATIONAL TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1761 I ST CAYUCOS CA 93430, CAYUCOS, CA 93430

Mortgage

Document Number	32723
Date	Jul 26, 2017
Instrument	32723

Lender

Name	RABOBANK
Type	Bank
Address	ARROYO GRANDE, CA 93421-6002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2047

Tax Assessment & Valuation

Source: San Luis Obispo County records · Assessment roll updated July 1, 2025 · Last verified October 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

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

Year	Tax Bill	Assessed Value
2025	$11,622.00 (+1.9%)	$1,111,189 (+4.04%) Land $636,724 Building $474,465
2023	$11,405.00 (+1,006.21%)	$1,068,042 Land $612,000 Building $456,042
2022	$1,031.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Luis Obispo County (06079C), updated July 22, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060790105041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 21 individual NFIP policies nearby
Nearby Flood Policies	33 units insured 12 under condo master policies
Nearby Flood Claims	7 (1998–2023)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Oct 2023
Claims By Storm	Severe Winter Storms And Flooding, Feb 1998 · 3 claims

Wildfire

Wildfire Risk	High above 70% of the US · above 45% of California
Wildfire Likelihood	About 1 in 316 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 540 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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