San Luis Obispo County property record for 1876 Circle Ln, #A, Cayucos, CA 93430
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,731 sqft · built 1948 |
| Lot Size | 0.097 acres (4,250 sqft) |
| Owner | Company Name on Record |
| Last Sale | $515,000 (Jun 2019) |
| Tax Bill | $6,077 (2025) |
| Deeds & Mortgages | Oct 2023 Transfer Jun 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 064-172-027 |
| Primary APN | 064-172-027 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,731 sqft Living Area |
| Year Built | Built 1948 |
|---|---|
| Construction Type | Wood |
| Lot Area | 4,250 sqft (0.097 acres) |
| Street Address | 1876 CIRCLE LN # A, A |
|---|---|
| City | CAYUCOS |
| State | CA |
| Zip | 93430-1424 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RMF |
| Legal Description | PR BCH NO 2 BLK 1 LT 32 |
| Legal Subdivision | PASO ROBLES 02 |
| Legal Block | 1 |
| Legal Lot Number | 32 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 10504 |
Source: San Luis Obispo County records, as of September 29, 2025
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 |
|---|---|
| Co-owner | 2 Co-owners on Record |
| Mailing Address | 1876 CIRCLE LN, CAYUCOS, CA 93430-1424 |
| Occupancy | Owner Occupied |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Oct 13, 2023 | Intrafamily Transfer, Transfer |
| Jun 21, 2022 | Deed of Trust, Mortgage · Line of Credit SESLOC FCU |
| Sep 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ASSIST HOME LOANS |
| Jul 28, 2021 | Deed of Trust, Mortgage JUSTIN STEANS ETUX |
| Jun 4, 2019 | Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Jun 4, 2019 · Amount on Record |
| Deed Sale | Jun 4, 2019 · Amount on Record |
| Prior Sale | Jun 4, 2019 · Amount on Record |
| Deed Document Number | 0000021240 |
| Last Transfer Date | Oct 13, 2023 |
| Transfer Doc | 0000030197 |
| Record Updated | Jun 7, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Oct 13, 2023 |
| Property Address | 1876 CIRCLE LN # A, A, CAYUCOS, CA 93430-1424 |
| Document Number | 0000030197 |
| Map Reference | MB 3 PG 108 |
| Instrument Date | Oct 12, 2023 |
| Instrument | 2023030197 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 1876 CIRCLE LN, CAYUCOS, CA 93430-1424 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1876 CIRCLE LN # A, A, CAYUCOS, CA 93430-1424 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 1876 CIRCLE LN A, A, CAYUCOS, CA 93430-1424 |
| Document Number | 0000025785 |
|---|---|
| Date | Jun 21, 2022 |
| Instrument | 2022025785 |
| Name | SESLOC FCU |
|---|---|
| Type | Credit Union |
| Address | SAN LUIS OBISPO, CA 93403 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jun 20, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1876 CIRCLE LN # A, A, CAYUCOS, CA 93430-1424 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 1876 CIRCLE LN, CAYUCOS, CA 93430-1424 |
| Document Number | 0000065091 |
|---|---|
| Date | Sep 24, 2021 |
| Instrument | 2021065091 |
| Name | ASSIST HOME LOANS |
|---|---|
| Type | Non-Lending Institution |
| Address | BOULDER, CO 80301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1876 CIRCLE LN # A, A, CAYUCOS, CA 93430-1424 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2021 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 1876 CIRCLE LN, CAYUCOS, CA 93430-1424 |
| Document Number | 0000053274 |
|---|---|
| Date | Jul 28, 2021 |
| Instrument | 2021053274 |
| Name | JUSTIN STEANS ETUX |
|---|---|
| Type | Private Party |
| Address | 1410 NOVENO AVE, SAN LUIS OBISPO, CA 93401 |
| Amount | Amount Recorded |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Jun 4, 2019 |
| Property Address | 1876 CIRCLE LN # A, A, CAYUCOS, CA 93430-1424 |
| Document Number | 0000021240 |
| Map Reference | MB 3 PG 108 |
| Instrument Date | Apr 26, 2019 |
| Instrument | 2019021240 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1876 CIRCLE LN, CAYUCOS, CA 93430-1424 |
| Document Number | 0000021241 |
|---|---|
| Date | Jun 4, 2019 |
| Instrument | 2019021241 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2049 |
Source: San Luis Obispo County assessment roll, as of July 1, 2025
| 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 |
|---|---|---|
| 2025 | $6,077.00 (+1.96%) | $574,486 (+4.04%) Land $390,429 Building $184,057 |
| 2023 | $5,960.00 (+1.74%) | $552,180 Land $375,269 Building $176,911 |
| 2022 | $5,858.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 17 policies |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 7 (1993–2016) |
| Claims Outside the SFHA | 6 of 7 |
| Most Recent Claim | Dec 2016 · other causes |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 55% of the US · lower than 67% of California |
|---|---|
| Wildfire Likelihood | 0.1% 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 | 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 |
| 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 369 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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