255 Cayucos Dr, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 255 Cayucos Dr, Cayucos, CA 93430

Property Summary

Property Type	Residential
Details	2 bd · 1 ba · 846 sqft · built 1939
Lot Size	0.172 acres (7,500 sqft)
Owner	Company Name on Record
Tax Bill	$4,439 (2025)
Deeds & Mortgages	Mar 2024 Transfer Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`064-095-009`

Property Details

APN / Parcel Number

Primary APN	`064-095-009`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	846 sqft Gross Area
1st Floor Area	846 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	7,500 sqft (0.172 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	255 CAYUCOS DR
City	CAYUCOS
State	CA
Zip	93430-1008
Property Category	Residential
Property Type	Residential > Specialized > Other
Local Zoning Code	OP
Legal Description	TN CAY BL 15 PTN LTS 7 TO 9
Legal Subdivision	TOWN/CAYUCOS
Legal Block	15
Legal Lot Number	7
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1016
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	535 MIMOSA ST, MORRO BAY, CA 93442-1636
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2024	Intrafamily Transfer, Transfer
Sep 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL COAST LENDING INC
May 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL COAST LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 20, 1995
Transfer Doc	0000012339
Record Updated	Oct 29, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 6, 2024
Property Address	255 CAYUCOS DR, CAYUCOS, CA 93430-1008
Document Number	0000005796
Instrument Date	Feb 26, 2024
Instrument	2024005796
Transaction Type	Transfer
Record Updated	Mar 19, 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	535 MIMOSA ST, MORRO BAY, CA 93442-1636

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	255 CAYUCOS DR, CAYUCOS, CA 93430-1008
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	535 MIMOSA ST, MORRO BAY, CA 93442-1636

Mortgage

Document Number	0000049746
Date	Sep 14, 2020
Instrument	2020049746

Lender

Name	CENTRAL COAST LENDING INC
Type	Mortgage Company
Address	MORRO BAY, CA 93442

Agreement

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

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	255 CAYUCOS DR, CAYUCOS, CA 93430-1008
Document Number	0000018437
Instrument Date	May 1, 2018
Transaction Type	Mortgage
Record Updated	May 22, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	535 MIMOSA ST MORRO BAY CA 934421636, MORRO BAY, CA 93442-1636

Mortgage

Document Number	0000018437
Date	May 8, 2018
Instrument	18437

Lender

Name	CENTRAL COAST LNDG
Address	MORRO BAY, CA 93442

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 7, 2048

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		$424,285 (+2%) Land $328,937 Building $95,348
2025	$4,439.00 (+2%)	$415,967 (+4.04%) Land $322,488 Building $93,479
2023	$4,352.00 (+1.75%)	$399,816 Land $309,966 Building $89,850
2022	$4,277.00

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 AE, within 500 ft
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	High above 70% of the US · above 44% of California
Wildfire Likelihood	0.4% 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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