200 Old Creek Rd, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 200 Old Creek Rd, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,054 sqft · built 1940
Lot Size	0.18 acres (7,850 sqft)
Owner	2 Trust Names on File
Last Sale	$850,000 (Jan 2026)
Tax Bill	$6,134 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage May 2020 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`064-264-042`

Property Details

APN / Parcel Number

Primary APN	`064-264-042`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,054 sqft Living Area
1st Floor Area	1,054 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Bungalow
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,850 sqft (0.18 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	200 OLD CREEK RD
City	CAYUCOS
State	CA
Zip	93430-1554
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	MORRO STR U5 BL 85 LTS 8 9 & PTN LT 20
Legal Subdivision	MORRO STRAND 05
Legal Tract	8
Legal Block	85
Legal Lot Number	8,20
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2013
Census Tract	10504

Owner

200 Old Creek Rd is held in a trust since January 2026.

Source: San Luis Obispo County records, as of August 26, 2026

Owner of Record	2 Trust Names on File
Mailing Address	3514 MORGAN PL, BAKERSFIELD, CA 93311-8761
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2026	Grant Deed, Transfer · Conventional Mortgage MORIA DEVELOPMENT INC
May 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE HOUSE
Feb 1, 2019	Grant Deed, Transfer · Conventional with PMI DIGNIFIED HM LNS
May 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage LONE OAK FUND
Apr 28, 2017	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2026 · Amount on File
Deed Sale	Jan 29, 2026 · Amount on File
Prior Sale	Feb 1, 2019 · Amount on File
Deed Document Number	20262797
Prior Transfer Date	May 4, 2010
Prior Transfer Doc	0000057362
Record Updated	Oct 29, 2026

January 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 29, 2026
Property Address	200 OLD CREEK RD, CAYUCOS, CA 93430-1554
Document Number	0000002797
Map Reference	MB 5 PG 11
Instrument Date	Jan 21, 2026
Instrument	2026002797
Transaction Type	Transfer
Record Updated	Feb 11, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
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	Revocable Trust
Address	3514 MORGAN PL, BAKERSFIELD, CA 93311-8761

Mortgage

Document Number	0000002798
Date	Jan 29, 2026
Instrument	2026002798

Lender

Name	MORIA DEVELOPMENT INC
Type	Mortgage Company

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	200 OLD CREEK RD, CAYUCOS, CA 93430-1554
Document Number	0000022005
Instrument Date	May 1, 2020
Transaction Type	Mortgage
Record Updated	May 19, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	200 OLD CREEK RD CAYUCOS CA 934301554, CAYUCOS, CA 93430-1554

Mortgage

Document Number	0000022005
Date	May 6, 2020
Instrument	22005

Lender

Name	MORTGAGE HOUSE
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91362

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 5, 2050

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 1, 2019
Property Address	200 OLD CREEK RD, CAYUCOS, CA 93430-1554
Document Number	0000003839
Instrument Date	Dec 24, 2018
Instrument	3839
Transaction Type	Transfer
Record Updated	Feb 14, 2019
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$572.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	200 OLD CREEK RD CAYUCOS CA 934301554, CAYUCOS, CA 93430-1554

Mortgage

Document Number	3840
Date	Feb 1, 2019
Instrument	3840

Lender

Name	DIGNIFIED HM LNS
Type	Funding / Finance Company
Address	WESTLAKE VILLAGE, CA 91362

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 31, 2049

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	200 OLD CREEK RD, CAYUCOS, CA 93430-1554
Document Number	0000024502
Instrument Date	May 25, 2017
Transaction Type	Mortgage
Record Updated	Jul 3, 2017
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	715 N COTTONWOOD ST VISALIA CA 932917938, VISALIA, CA 93291-7938

Mortgage

Document Number	0000024502
Date	Jun 6, 2017
Instrument	24502

Lender

Name	LONE OAK FUND
Type	Funding / Finance Company
Address	LOS ANGELES, CA 90049

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 28, 2017
Property Address	200 OLD CREEK RD, CAYUCOS, CA 93430-1554
Document Number	0000018411
Instrument Date	Apr 24, 2017
Instrument	18411
Transaction Type	Transfer
Record Updated	May 17, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$473.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	715 N COTTONWOOD ST VISALIA CA 932917938, VISALIA, CA 93291-7938

Tax Assessment & Valuation

The 2025 property tax bill for 200 Old Creek Rd was $6,134.

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		$591,664 (+2%) Land $398,237 Building $193,427
2025	$6,134.00	$580,064 Land $390,429 Building $189,635
2023	$6,016.00 (+1.72%)	$557,541 Land $375,269 Building $182,272
2022	$5,914.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 200 Old Creek Rd in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 22, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 20 policies
Nearby Flood Policies	20 in force
Nearby Flood Claims	10 (1983–2016)
Claims Outside the SFHA	6 of 10
Most Recent Claim	Jan 2016 · other causes
Claims by Event	Severe Winter Storms, Flooding, And Debris And Mud Flows, Dec 2010 · 2 claims Severe Winter Storms And Flooding, Feb 1998 · 2 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 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

Wildfire risk around 200 Old Creek Rd is high, ranking above 71% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 71% of the US · above 46% of California
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SLOCSA #10A - CAYUCOS serves 1,200 people · EPA ID CA4010901
Water Source	Purchased surface water from SLO CSA NO. 10 - CAYUCOS WTP
Last State Inspection	Oct 2024
Lead	1 ppb (2024–2026) 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 390 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Astound Broadband, Ranch Wifi.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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