185 I St, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 185 I St, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 892 sqft · built 1955
Lot Size	0.092 acres (4,000 sqft)
Owner	Company Name on Record
Last Sale	$655,000 (Jul 2015)
Tax Bill	$8,080 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`064-127-011`

Property Details

APN / Parcel Number

Primary APN	`064-127-011`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	892 sqft Living Area
1st Floor Area	892 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Construction Type	Wood
Lot Area	4,000 sqft (0.092 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	185 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 23 & 24
Legal Subdivision	MORRO ROCK VIEW 03
Legal Block	6
Legal Lot Number	23,24
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 6, 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	185 I ST, CAYUCOS, CA 93430-1166
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Oct 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Dec 29, 2016	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2015 · Amount on Record
Deed Sale	Jul 24, 2015 · Amount on Record
Prior Sale	Apr 5, 2007 · Amount on Record
Deed Document Number	201537453
Prior Transfer Date	Sep 11, 2007
Prior Transfer Doc	0000076105
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	185 I ST, CAYUCOS, CA 93430-1166
Transaction Type	Mortgage
Record Updated	Mar 17, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 I ST, CAYUCOS, CA 93430-1166

Mortgage

Document Number	0000006369
Date	Mar 3, 2026
Instrument	2026006369

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 17, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	185 I ST, CAYUCOS, CA 93430-1166
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 I ST, CAYUCOS, CA 93430-1166

Mortgage

Document Number	0000060102
Date	Oct 23, 2020
Instrument	2020060102

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	185 I ST, CAYUCOS, CA 93430-1166
Document Number	0000002359
Instrument Date	Dec 29, 2016
Transaction Type	Mortgage
Record Updated	Aug 15, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	185 I ST CAYUCOS CA 934301166, CAYUCOS, CA 93430-1166

Mortgage

Document Number	0000002359
Date	Jan 17, 2017
Instrument	2359

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$790,887 (+2%) Land $664,107 Building $126,780
2025	$8,080.00 (+1.97%) Homeowner's exemption	$775,381 (+4.04%) Land $651,086 Building $124,295
2023	$7,924.00 (+1.73%) Homeowner's exemption	$745,273 Land $625,804 Building $119,469
2022	$7,789.00

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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