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2770 Richard Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 2770 Richard Ave, Cayucos, CA 93430

Property Summary

Property TypeSingle Family Home
Details3 bd · 3.5 ba · 1,697 sqft · built 1981
Lot Size0.04 acres (1,750 sqft)
Owner2 Individual Names on Record
Last Sale$590,000 (Dec 2016)
Tax Bill$7,143 (2025)
Deeds & MortgagesJan 2020 Mortgage
Jan 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN064-204-027

Property Details

APN / Parcel Number

Primary APN064-204-027

Interior

Bedrooms3 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Total Rooms5 Rooms
Stories3 Stories
Building Area1,697 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1981
Construction TypeWood
Lot Area1,750 sqft (0.04 acres)
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
SewerConnected

Location & Zoning

Street Address2770 RICHARD AVE
CityCAYUCOS
StateCA
Zip93430-1467
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code10
Legal DescriptionMORRO STR U5 BL 82 LT 46
Legal SubdivisionMORRO STRAND UN 5
Legal Tract5
Legal Block82
Legal Lot Number46
JurisdictionSAN LUIS OBISPO CA
Township / Civil DivisionNORTH COAST
Census Block Group2
Census Block2003
Census Tract10504

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 Record2 Individual Names on Record
Mailing Address2770 RICHARD AVE, CAYUCOS, CA 93430-1467
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Jan 17, 2020Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Jan 21, 2021Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 9, 2016 · Amount on Record
Deed SaleDec 9, 2016 · Amount on Record
Deed Document Number201664915
Prior Transfer DateSep 14, 1994
Prior Transfer Doc0000055071
Record UpdatedOct 29, 2026

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN LUIS OBISPO CA
Property Address2770 RICHARD AVE, CAYUCOS, CA 93430-1467
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyFIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000002514
DateJan 17, 2020
Instrument2020002514
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2050

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN LUIS OBISPO CA
Property Address2770 RICHARD AVE, CAYUCOS, CA 93430-1467
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyPLACER TITLE COMPANY MORRO

Transferred To (Grantee/Buyer)

NameVerified Name
Address2770 RICHARD AVE, CAYUCOS, CA 93430-1467

Mortgage

Document Number0000004477
DateJan 21, 2021
Instrument2021004477
Lender
NameUNITED WHOLESALE MORTGAGE LLC
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateCalifornia
CountySan Luis Obispo County
Elementary School DistrictCayucos Elementary School District (KG - 08)
Secondary School DistrictCoast Unified School District (9-12) (09 - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$698,433 (+2%) Land $473,516 Building $224,917
2025$7,143.00 (+1.98%) Homeowner's exemption$684,739 (+4.04%) Land $464,232 Building $220,507
2023$7,004.00 (+1.74%) Homeowner's exemption$658,152 Land $446,206 Building $211,946
2022$6,884.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 20 policies
Nearby Flood Policies20 in force
Nearby Flood Claims10 (1983–2016)
Claims Outside the SFHA6 of 10
Most Recent ClaimJan 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

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

Wildfire RiskModerate
above 59% of the US · lower than 64% of California
Wildfire Likelihood0.2% annual chance
ExposureIndirect
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 SystemSLOCSA #10A - CAYUCOS
serves 1,200 people · EPA ID CA4010901
Water SourcePurchased surface water from SLO CSA NO. 10 - CAYUCOS WTP
Last State InspectionOct 2024
Lead1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000

May also be available: Astound Broadband, Ranch Wifi.

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