21 15th St, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 21 15th St, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,084 sqft · built 1966
Lot Size	0.069 acres (3,000 sqft)
Owner	Company Name on Record
Tax Bill	$5,204 (2025)
Deeds & Mortgages	Aug 2023 Transfer Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`064-224-018`

Property Details

APN / Parcel Number

Primary APN	`064-224-018`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,084 sqft Living Area
1st Floor Area	1,084 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Construction Type	Wood
Lot Area	3,000 sqft (0.069 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	21 15TH ST
City	CAYUCOS
State	CA
Zip	93430-1311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	20
Legal Description	PR BCH 2 LT 13 BL 3
Legal Subdivision	PASO ROBLES BEACH 02
Legal Block	3
Legal Lot Number	13
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3020
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	PO BOX 3027, DANVILLE, CA 94526-8027
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2023	Intrafamily Transfer, Transfer
Oct 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage LENDUS LLC
Apr 13, 2017	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE
Apr 13, 2017	Grant Deed, Transfer · Conventional Mortgage RPM MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 25, 2023
Transfer Doc	0000022672
Record Updated	Sep 20, 2026

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 3, 2023
Property Address	21 15TH ST, CAYUCOS, CA 93430-1311
Document Number	0000022672
Map Reference	MB 3 PG 108
Instrument Date	Jul 25, 2023
Instrument	2023022672
Transaction Type	Transfer
Record Updated	Aug 15, 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	Living Trust
Address	10 MOSS WOOD CT, DANVILLE, CA 94506-4462

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	21 15TH ST, CAYUCOS, CA 93430-1311
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 15TH ST, CAYUCOS, CA 93430-1311

Mortgage

Document Number	0000060950
Date	Oct 28, 2020
Instrument	2020060950

Lender

Name	LENDUS LLC
Type	Mortgage Company
Address	ALAMO, CA 94507

Agreement

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

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 13, 2017
Property Address	21 15TH ST, CAYUCOS, CA 93430-1311
Document Number	0000016122
Instrument Date	Apr 4, 2017
Instrument	16122
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	21 15TH ST CAYUCOS CA 934301311, CAYUCOS, CA 93430-1311

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 13, 2017
Property Address	21 15TH ST, CAYUCOS, CA 93430-1311
Document Number	0000016123
Map Reference	MB3 PG108
Instrument Date	Apr 4, 2017
Instrument	2017016123
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 15TH ST, CAYUCOS, CA 93430-1311

Mortgage

Document Number	0000016124
Date	Apr 13, 2017
Instrument	2017016124

Lender

Name	RPM MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

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		$499,788 (+2%) Land $344,483 Building $155,305
2025	$5,204.00 (+1.98%)	$489,989 (+4.04%) Land $337,729 Building $152,260
2023	$5,103.00 (+1.75%)	$470,964 Land $324,615 Building $146,349
2022	$5,015.00

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
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	Low lower than 93% of the US · lower than 96% of California
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond 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	CAYUCOS BEACH MUTUAL WATER COMPANY serves 2,567 people · EPA ID CA4010006
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 369 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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