San Luis Obispo County property record for 177 F St, Cayucos, CA 93430
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,080 sqft · built 1946 |
| Lot Size | 0.101 acres (4,400 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,701 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 064-117-010 |
| Primary APN | 064-117-010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,080 sqft Living Area |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Construction Type | Wood |
| Lot Area | 4,400 sqft (0.101 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Well |
| Street Address | 177 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 LTS 21 & 22 |
| Legal Subdivision | EL MORO |
| Legal Block | 3 |
| Legal Lot Number | 21,22 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 10504 |
177 F St is owned and occupied by two individuals who acquired it in December 2020.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 177 F ST, CAYUCOS, CA 93430-1111 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 15, 2020 |
| Transfer Doc | 0000075645 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Dec 21, 2020 |
| Property Address | 177 F ST, CAYUCOS, CA 93430-1111 |
| Document Number | 0000075645 |
| Map Reference | MB 3 PG 101 |
| Instrument Date | Dec 15, 2020 |
| Instrument | 2020075645 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | PLACER TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 177 E ST, CAYUCOS, CA 93430 |
| Document Number | 0000075646 |
|---|---|
| Date | Dec 21, 2020 |
| Instrument | 2020075646 |
| Name | BEST CAPITAL FUNDING |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
The 2025 property tax bill for 177 F St was $3,701 with a homeowner's exemption.
Source: San Luis Obispo County assessment roll, as of August 6, 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $358,582 (+2%) Land $87,833 Building $270,749 | |
| 2025 | $3,701.00 Homeowner's exemption | $351,552 Land $86,111 Building $265,441 |
| 2023 | $3,624.00 (+1.8%) Homeowner's exemption | $337,903 Land $82,768 Building $255,135 |
| 2022 | $3,560.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 177 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 |
|
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 risk around 177 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.
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 |
| 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures