2741 Richard Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 2741 Richard Ave, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 3,095 sqft · built 2005
Lot Size	0.144 acres (6,250 sqft)
Owner	Individual Name on File
Last Sale	$1,425,000 (Jul 2017)
Tax Bill	$16,821 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jul 2017 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`064-211-040`

Property Details

APN / Parcel Number

Primary APN	`064-211-040`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	3,095 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Wood
Lot Area	6,250 sqft (0.144 acres)
Terrain	Steep
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2741 RICHARD AVE
City	CAYUCOS
State	CA
Zip	93430-1468
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	MORRO STR U5 BL 84 LT 63 & 64
Legal Subdivision	MORRO STRAND 05
Legal Tract	5
Legal Block	84
Legal Lot Number	63
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2000
Census Tract	10504

Owner

2741 Richard Ave is owned and occupied by an individual who bought it in July 2017.

Source: San Luis Obispo County records, as of August 6, 2026

Owner of Record	Individual Name on File
Mailing Address	2741 RICHARD AVE, CAYUCOS, CA 93430-1468
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 6, 2017	Grant Deed, Transfer · ARM MUFG UNION BANK NA
Jul 6, 2017	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Jul 6, 2017	Quit Claim Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2017 · Amount on File
Deed Sale	Jul 6, 2017 · Amount on File
Prior Sale	Jul 11, 2014 · Amount on File
Deed Document Number	201729589
Prior Transfer Date	Jun 7, 2017
Prior Transfer Doc	0000029590
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2741 RICHARD AVE, CAYUCOS, CA 93430-1468
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	CONSUMERS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2741 RICHARD AVE, CAYUCOS, CA 93430-1468

Mortgage

Document Number	0000017140
Date	Mar 5, 2021
Instrument	2021017140

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 6, 2017
Property Address	2741 RICHARD AVE, CAYUCOS, CA 93430-1468
Document Number	0000029589
Map Reference	MB5 PG11
Instrument Date	Jun 7, 2017
Instrument	2017029589
Transaction Type	Transfer
Record Updated	Aug 9, 2021
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
Address	2741 RICHARD AVE, CAYUCOS, CA 93430-1468

Mortgage

Document Number	0000029592
Date	Jul 6, 2017
Instrument	2017029592

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jul 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.5%
Index	1-Year LIBOR
Max Rate	9.5%

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 6, 2017
Property Address	2741 RICHARD AVE, CAYUCOS, CA 93430-1468
Document Number	0000029590
Instrument Date	Jun 7, 2017
Instrument	29590
Transaction Type	Transfer
Record Updated	Jul 17, 2017
Title Company	FIRST AMERICAN 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	1225 NW DARLING RD BREMERTON WA 983119084, BREMERTON, WA 98311-9084

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 6, 2017
Property Address	2741 RICHARD AVE, CAYUCOS, CA 93430-1468
Document Number	0000029591
Instrument Date	Jun 7, 2017
Instrument	29591
Transaction Type	Transfer
Record Updated	Jul 17, 2017
Title Company	FIRST AMERICAN 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	PO BOX 1558 EASTSOUND WA 982451558, EASTSOUND, WA 98245-1558

Tax Assessment & Valuation

The 2025 property tax bill for 2741 Richard Ave was $16,821 with a homeowner's exemption.

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		$1,653,828 (+2%) Land $841,421 Building $812,407
2025	$16,821.00 Homeowner's exemption	$1,621,401 Land $824,923 Building $796,478
2023	$16,507.00 (+1.71%) Homeowner's exemption	$1,558,442 Land $792,892 Building $765,550
2022	$16,229.00

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

Flood

FEMA maps place 2741 Richard Ave in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1983.

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 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 2741 Richard Ave is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 59% of the US · lower than 64% 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	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.

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