194 6th St, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 194 6th St, Cayucos, CA 93430

Property Summary

Property Type	Multi-Family Dwellings
Lot Size	0.101 acres (4,400 sqft)
Owner	Company Name on Record
Last Sale	$2,200,000 (Jan 2026)
Tax Bill	$13,868 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jan 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`064-133-034`

Property Details

APN / Parcel Number

Primary APN	`064-133-034`

Exterior

Lot Area	4,400 sqft (0.101 acres)

Location & Zoning

Street Address	194 6TH ST
City	CAYUCOS
State	CA
Zip	93430-1267
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	MORRO RK VW 4 BL 16 PTN LTS 21,22 & PTN ABD RD
Legal Subdivision	MORRO ROCK VIEW SUB 4
Legal Block	16
Legal Lot Number	21,22 22
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3004
Census Tract	10504

Owner

Source: San Luis Obispo County records, as of January 16, 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
Co-owner	Co-owner on Record
Mailing Address	13596 AVENUE 260, VISALIA, CA 93292-9404
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jan 7, 2026	Grant Deed, Transfer · Conventional Mortgage GOLDEN EMPIRE MORTGAGE INC
Jan 10, 2020	Affidavit of Death, Transfer FIDELITY NATIONAL TITLE
Jan 10, 2020	Grant Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jan 7, 2026 · Amount on Record
Deed Sale	Jan 7, 2026 · Amount on Record
Prior Sale	Jan 10, 2020 · Amount on Record
Deed Document Number	2026000476
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	194 6TH ST, CAYUCOS, CA 93430-1267
Transaction Type	Mortgage
Record Updated	Jan 19, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 PACIFIC AVE, CAYUCOS, CA 93430-1639

Mortgage

Document Number	0000044488
Date	Jun 22, 2021
Instrument	2021044488

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Jul 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8%
Index	1-Year CMT
Max Rate	8%

January 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 7, 2026
Property Address	194 6TH ST, CAYUCOS, CA 93430-1267
Document Number	0000000476
Map Reference	MB 3 PG 114
Instrument Date	Dec 12, 2025
Instrument	2026000476
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	13596 AVENUE 260, VISALIA, CA 93292-9404

Mortgage

Document Number	0000000477
Date	Jan 7, 2026
Instrument	2026000477

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

January 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 10, 2020
Property Address	194 6TH ST, CAYUCOS, CA 93430-1267
Document Number	0000001468
Instrument Date	Dec 26, 2019
Instrument	1468
Transaction Type	Transfer
Record Updated	Jan 23, 2020
Title Company	FIDELITY NATIONAL TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	22421 BARTON RD #322 GRAND TERRACE CA 923135008, 322, GRAND TERRACE, CA 92313-5008

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 10, 2020
Property Address	194 6TH ST, CAYUCOS, CA 93430-1267
Document Number	0000001469
Map Reference	MB 3 PG 114
Instrument Date	Dec 9, 2019
Instrument	2020001469
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	Joint Tenants
Address	197 PACIFIC AVE, CAYUCOS, CA 93430-1639

Mortgage

Document Number	0000001470
Date	Jan 10, 2020
Instrument	2020001470

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Feb 1, 2023
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.5%
Index	1-Year CMT
Max Rate	11.5%

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of July 1, 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

Year	Tax Bill	Assessed Value
2025	$13,868.00 (+44.88%)	$1,338,734 (+48.15%) Land $516,818 Building $821,916
2023	$9,572.00 (+91.1%)	$903,650 Land $446,750 Building $456,900
2022	$5,009.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 69% of the US · above 44% of California
Wildfire Likelihood	0.3% 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 540 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

May also be available: T-Mobile.

Nearby Properties on 6th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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