195 I St, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 195 I St, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,344 sqft · built 1949
Lot Size	0.092 acres (4,000 sqft)
Owner	Company Name on Record
Last Sale	$237,000 (Jul 1994)
Tax Bill	$651 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2021 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`064-127-012`

Property Details

APN / Parcel Number

Primary APN	`064-127-012`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Construction Type	Wood
Lot Area	4,000 sqft (0.092 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	195 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 25 & 26
Legal Subdivision	MORRO ROCK VIEW 03
Legal Block	6
Legal Lot Number	25,26
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	195 I ST, CAYUCOS, CA 93430-1166
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 22, 2021	Intrafamily Transfer, Transfer AMROCK INC, AMROCK LLC
Dec 29, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Dec 28, 2020	Intrafamily Transfer, Transfer · Line of Credit SESLOC FCU
Aug 9, 2019	Quit Claim Deed, Transfer · Conventional Mortgage QUICKEN LNS
Aug 9, 2019	Quit Claim Deed, Transfer TSI ESCROW - CERRITOS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 1994 · Amount on Record
Deed Sale	Jul 19, 1994 · Amount on Record
Prior Sale	May 18, 1994 · Amount on Record
Deed Document Number	199443453
Last Transfer Date	Aug 16, 2021
Transfer Doc	0000077362
Record Updated	Sep 20, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 22, 2021
Property Address	195 I ST, CAYUCOS, CA 93430-1166
Document Number	0000077362
Map Reference	MB 3 PG 101
Instrument Date	Aug 16, 2021
Instrument	2021077362
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	AMROCK LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 I ST, CAYUCOS, CA 93430-1166

Mortgage

Document Number	0000077360
Date	Nov 22, 2021
Instrument	2021077360

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Sep 1, 2051

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 22, 2021
Property Address	195 I ST, CAYUCOS, CA 93430-1166
Document Number	0000077358
Map Reference	MB 3 PG 101
Instrument Date	Aug 16, 2021
Instrument	2021077358
Transaction Type	Transfer
Record Updated	Mar 3, 2023
Title Company	AMROCK INC, AMROCK LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 I ST, CAYUCOS, CA 93430-1166

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 29, 2020
Property Address	195 I ST, CAYUCOS, CA 93430-1166
Document Number	0000077673
Instrument Date	Dec 21, 2020
Instrument	77673
Transaction Type	Transfer
Record Updated	Jan 11, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	195 I ST CAYUCOS CA 934301166, CAYUCOS, CA 93430-1166

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 28, 2020
Property Address	195 I ST, CAYUCOS, CA 93430-1166
Document Number	0000077140
Map Reference	MB 3 PG 101
Instrument Date	Dec 21, 2020
Instrument	2020077140
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1951 STREET, CAYUCOS, CA 93430

Mortgage

Document Number	0000077141
Date	Dec 28, 2020
Instrument	2020077141

Lender

Name	SESLOC FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 9, 2019
Property Address	195 I ST, CAYUCOS, CA 93430-1166
Document Number	0000032497
Instrument Date	Jul 31, 2019
Instrument	32497
Transaction Type	Transfer
Record Updated	Aug 16, 2019
Title Company	TSI ESCROW - CERRITOS

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 I ST CAYUCOS CA 934301166, CAYUCOS, CA 93430-1166

Mortgage

Document Number	32498
Date	Aug 9, 2019
Instrument	32498

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2049

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 9, 2019
Property Address	195 I ST, CAYUCOS, CA 93430-1166
Document Number	0000032499
Instrument Date	Jul 31, 2019
Instrument	32499
Transaction Type	Transfer
Record Updated	Aug 16, 2019
Title Company	TSI ESCROW - CERRITOS

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	195 I ST CAYUCOS CA 934301166, CAYUCOS, CA 93430-1166

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		$57,467 (+2%) Land $17,802 Building $39,665
2025	$651.00 (+3.5%) Homeowner's exemption	$56,341 (+4.04%) Land $17,453 Building $38,888
2023	$629.00 (+2.28%) Homeowner's exemption	$54,155 Land $16,776 Building $37,379
2022	$615.00

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 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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