20 17th St, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 20 17th St, Cayucos, CA 93430 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,431 sqft · built 1900
Lot Size	0.069 acres (3,000 sqft)
Owner	Company Name on File
Last Sale	$1,325,000 (Apr 2023)
Tax Bill	$14,384 (2025)
Deeds & Mortgages	Mar 2024 Transfer Apr 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`064-231-005`

Property Details

APN / Parcel Number

Primary APN	`064-231-005`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,431 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1951
Construction Type	Wood
Lot Area	3,000 sqft (0.069 acres)

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	20 17TH ST
City	CAYUCOS
State	CA
Zip	93430-1316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PR BCH 2 BL 6 LT 7
Legal Subdivision	PASO ROBLES BEACH 02
Legal Block	6
Legal Lot Number	7
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3011
Census Tract	10504

Owner

Source: San Luis Obispo County records · APN 064-231-005

Assessment roll updated August 6, 2026 · Last verified August 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 File
Mailing Address	20 17TH ST, CAYUCOS, CA 93430-1316
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2024	Intrafamily Transfer, Transfer
Apr 14, 2023	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 07, 2017	Deed of Trust, Mortgage · Reverse Mortgage COASTAL FUNDING SLC INC
Nov 01, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 14, 2023 · Amount on Record
Deed Sale	Apr 14, 2023 · Amount on Record
Deed Document Number	202310250
Last Transfer Date	Mar 19, 2024
Transfer Doc	0000007226
Record Updated	Sep 20, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 20, 2024
Property Address	20 17TH ST, CAYUCOS, CA 93430-1316
Document Number	0000007226
Map Reference	MB 3 PG 108
Instrument Date	Mar 19, 2024
Instrument	2024007226
Transaction Type	Transfer
Record Updated	Apr 01, 2024

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	Family Trust
Address	20 17TH ST, CAYUCOS, CA 93430-1316

April 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 14, 2023
Property Address	20 17TH ST, CAYUCOS, CA 93430-1316
Document Number	0000010250
Map Reference	MB 3 PG 108
Instrument Date	Mar 16, 2023
Instrument	2023010250
Transaction Type	Transfer
Record Updated	Apr 26, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	21107 CANYON VIEW DR, SARATOGA, CA 95070-5719

Mortgage

Document Number	0000010251
Date	Apr 14, 2023
Instrument	2023010251

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2053

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	20 17TH ST, CAYUCOS, CA 93430-1316
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000050989
Date	Nov 07, 2017
Instrument	2017050989

Lender

Name	COASTAL FUNDING SLC INC
Type	Mortgage Company
Address	SAN LUIS OBISPO, CA 93401

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	783 Months
Due	Feb 03, 2083

Interest

Rate Type	Adjustable Rate
Rate	4.59%
Type Change Date	Dec 01, 2018
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	5%
Index	1-Year LIBOR

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	20 17TH ST, CAYUCOS, CA 93430-1316
Document Number	0000050990
Instrument Date	Nov 01, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	20 17TH ST CAYUCOS CA 934301316, CAYUCOS, CA 93430-1316

Mortgage

Document Number	0000050990
Date	Nov 07, 2017
Instrument	50990

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	792 Months
Due	Nov 06, 2083

Interest

Rate Type	Adjustable Rate
Rate	4.59%

Tax Assessment & Valuation

Source: San Luis Obispo County records · Assessment roll updated August 6, 2026 · Last verified August 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

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.

Year	Tax Bill	Assessed Value
2026		$1,406,100 (+2%) Land $981,617 Building $424,483
2025	$14,384.00 (+544.73%)	$1,378,530 (+569.6%) Land $962,370 Building $416,160
2023	$2,231.00 (+1.87%) Homeowner's exemption	$205,875 Land $115,074 Building $90,801
2022	$2,190.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Luis Obispo County (06079C), updated July 22, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060790105043, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Cost	Premium on Record median of 17 individual NFIP policies nearby
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

Wildfire

Wildfire Risk	Moderate above 55% of the US · above 32% of California
Wildfire Likelihood	About 1 in 769 per year
Exposure	Indirect within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 369 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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