196 G St, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 196 G St, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,984 sqft · built 1971
Lot Size	0.138 acres (6,000 sqft)
Owner	Company Name on Record
Last Sale	$1,500,000 (Jul 2021)
Tax Bill	$16,515 (2025)
Deeds & Mortgages	Mar 2022 Transfer Jul 2021 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`064-126-012`

Property Details

APN / Parcel Number

Primary APN	`064-126-012`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,984 sqft Living Area
1st Floor Area	412 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Construction Type	Wood
Lot Area	6,000 sqft (0.138 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	196 G ST
City	CAYUCOS
State	CA
Zip	93430-1114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	MORRO RK VW 3 BL 5 LTS 1 TO 3
Legal Subdivision	MORRO ROCK VIEW 03
Legal Block	5
Legal Lot Number	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1010
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	196 G ST, CAYUCOS, CA 93430-1114
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2022	Intrafamily Transfer, Transfer
Jul 23, 2021	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Sep 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage SESLOC FCU
Jul 16, 2018	Intrafamily Transfer, Transfer · Line of Credit SESLOC FCU
Jul 17, 2018	Quit Claim Deed, Transfer Quitclaim
May 30, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage SESLOC FCU
May 31, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2021 · Amount on Record
Deed Sale	Jul 23, 2021 · Amount on Record
Prior Sale	Jun 17, 1999 · Amount on Record
Deed Document Number	202152458
Last Transfer Date	Mar 11, 2022
Transfer Doc	0000012129
Record Updated	Sep 20, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 17, 2022
Property Address	196 G ST, CAYUCOS, CA 93430-1114
Document Number	0000012129
Map Reference	MB 3 PG 101
Instrument Date	Mar 11, 2022
Instrument	2022012129
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Revocable Living Trust
Address	196 G ST, CAYUCOS, CA 93430-1114
Investor	Possibly a Property Investor

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 23, 2021
Property Address	196 G ST, CAYUCOS, CA 93430-1114
Document Number	0000052458
Map Reference	MB 3 PG 101
Instrument Date	Apr 22, 2021
Instrument	2021052458
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	FIRST AMERICAN 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	Community Property with Right of Survivorship
Address	196 G ST, CAYUCOS, CA 93430-1114

Mortgage

Document Number	0000052459
Date	Jul 23, 2021
Instrument	2021052459

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

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

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	196 G ST, CAYUCOS, CA 93430-1114
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038515
Date	Sep 18, 2018
Instrument	2018038515

Lender

Name	SESLOC FCU
Type	Credit Union
Address	SAN LUIS OBISPO, CA 93401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jun 1, 2048

July 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 16, 2018
Property Address	196 G ST, CAYUCOS, CA 93430-1114
Document Number	0000028727
Map Reference	MB3 PG101
Instrument Date	Jul 11, 2018
Instrument	2018028727
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	196 G ST, CAYUCOS, CA 93430-1114

Mortgage

Document Number	0000028728
Date	Jul 16, 2018
Instrument	2018028728

Lender

Name	SESLOC FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 17, 2018
Property Address	196 G ST, CAYUCOS, CA 93430-1114
Document Number	0000028874
Instrument Date	Jul 11, 2018
Instrument	28874
Transaction Type	Transfer
Record Updated	Jul 23, 2018

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	196 G ST CAYUCOS CA 934301114, CAYUCOS, CA 93430-1114

May 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 30, 2018
Property Address	196 G ST, CAYUCOS, CA 93430-1114
Document Number	0000021980
Map Reference	MB3 PG101
Instrument Date	May 7, 2018
Instrument	2018021980
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 G ST, CAYUCOS, CA 93430-1114

Mortgage

Document Number	0000021981
Date	May 30, 2018
Instrument	2018021981

Lender

Name	SESLOC FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 31, 2018
Property Address	196 G ST, CAYUCOS, CA 93430-1114
Document Number	0000022057
Instrument Date	May 7, 2018
Instrument	22057
Transaction Type	Transfer
Record Updated	Jun 21, 2018

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	196 G ST CAYUCOS CA 934301114, CAYUCOS, CA 93430-1114

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		$1,623,646 (+2%) Land $1,028,309 Building $595,337
2025	$16,515.00 (+1.9%) Homeowner's exemption	$1,591,811 (+4.04%) Land $1,008,147 Building $583,664
2023	$16,207.00 (+1.71%) Homeowner's exemption	$1,530,000 Land $969,000 Building $561,000
2022	$15,934.00

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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