181 N Ocean Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 181 N Ocean Ave, Cayucos, CA 93430

Property Summary

Property Type	Boarding House, Apartment Hotel
Details	9,230 sqft · built 2002
Lot Size	0.207 acres (9,000 sqft)
Owner	Company Name on File
Last Sale	$893,000 (Nov 2018)
Tax Bill	$48,196 (2025)
Deeds & Mortgages	Oct 2017 Mortgage Nov 2018 Sale
Flood Zone	Zone X (moderate risk)
APN	`064-115-024`

Property Details

APN / Parcel Number

Primary APN	`064-115-024`

Interior

Stories	2 Stories
Building Area	9,230 sqft Gross Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	9,000 sqft (0.207 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	181 N OCEAN AVE
City	CAYUCOS
State	CA
Zip	93430-1603
Property Category	Commercial
Property Type	Commercial > Retail > Boarding House, Apartment Hotel
Local Zoning Code	CR
Legal Description	TN CAY BL 2 LTS 1 THRU 4
Legal Subdivision	CAYUCOS
Legal Block	2
Legal Lot Number	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1022
Census Tract	10504

Owner

181 N Ocean Ave, a commercial property, is owned by a company that bought it in November 2018.

Source: San Luis Obispo County records, as of August 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	1065 HIGUERA ST, 200, SAN LUIS OBISPO, CA 93401-3641
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2017	Deed of Trust, Mortgage · Commercial Mortgage RIVER CITY BANK
Nov 27, 2018	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2018 · Amount on File
Deed Sale	Nov 27, 2018 · Amount on File
Prior Sale	Jul 1, 2016 · Amount on File
Deed Document Number	201848759
Prior Transfer Date	Nov 21, 2005
Prior Transfer Doc	0000032875
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	181 N OCEAN AVE, CAYUCOS, CA 93430-1603
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047890
Date	Oct 19, 2017
Instrument	2017047890

Lender

Name	RIVER CITY BANK
Type	Bank
Address	SACRAMENTO, CA 95833

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 27, 2018
Property Address	181 N OCEAN AVE, CAYUCOS, CA 93430-1603
Document Number	0000048759
Instrument Date	Nov 26, 2018
Instrument	48759
Transaction Type	Transfer
Record Updated	Dec 6, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$982.30
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	1065 HIGUERA ST #200 SAN LUIS OBISPO CA 934013641, 200, SAN LUIS OBISPO, CA 93401-3641

Tax Assessment & Valuation

The 2025 property tax bill for 181 N Ocean Ave was $48,196, up 0.8% from the year before.

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		$4,656,465 (+1.97%) Land $1,601,598 Building $3,054,867
2025	$48,196.00 (+0.8%)	$4,566,634 Land $1,570,195 Building $2,996,439
2024	$47,815.00 (+1.08%)
2023	$47,304.00 (+1.69%)	$4,392,220 Land $1,509,223 Building $2,882,997
2022	$46,517.00

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

Flood

FEMA maps place 181 N Ocean Ave in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone VE, within 100 ft
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	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

Wildfire risk around 181 N Ocean Ave is moderate, ranking above 58% 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 58% of the US · lower than 65% 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	CAYUCOS BEACH MUTUAL WATER COMPANY serves 2,567 people · EPA ID CA4010006
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.

Nearby Properties on N Ocean Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures