2774 Richard Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 2774 Richard Ave, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,162 sqft · built 1966
Lot Size	0.04 acres (1,750 sqft)
Owner	Company Name on Record
Last Sale	$800,000 (Aug 2021)
Tax Bill	$10,064 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`064-204-028`

Property Details

APN / Parcel Number

Primary APN	`064-204-028`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,162 sqft Living Area

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Construction Type	Wood
Lot Area	1,750 sqft (0.04 acres)
Terrain	Below Road/Slope
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	2774 RICHARD AVE
City	CAYUCOS
State	CA
Zip	93430-1467
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	MORRO STR U5 BL 82 LT 47
Legal Subdivision	MORRO STRAND 05
Legal Tract	5
Legal Block	82
Legal Lot Number	47
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2003
Census Tract	10504

Owner

Source: San Luis Obispo County records, as of October 12, 2026

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

Owner of Record	Company Name on Record
Mailing Address	1873 E HOGAN AVE, FRESNO, CA 93730-5300
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2021	Grant Deed, Transfer · Conventional Mortgage EDUCATIONAL EMPLOYEES CU
Mar 2, 2021	Deed of Trust, Mortgage · Commercial Mortgage MACI UMBERTIS
Sep 25, 2020	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE
Sep 25, 2020	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Sep 25, 2020	Grant Deed, Transfer · Construction Mortgage BARRY PURCHASE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2021 · Amount on Record
Deed Sale	Aug 30, 2021 · Amount on Record
Prior Sale	Sep 25, 2020 · Amount on Record
Deed Document Number	202160000
Prior Transfer Date	Sep 22, 2020
Prior Transfer Doc	0000053215
Record Updated	Oct 29, 2026

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 30, 2021
Property Address	2774 RICHARD AVE, CAYUCOS, CA 93430-1467
Document Number	0000060000
Map Reference	MB 5 PG 11
Instrument Date	Jul 23, 2021
Instrument	2021060000
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
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	Family Trust
Address	1873 E HOGAN AVE, FRESNO, CA 93730-5300
Investor	Possibly a Property Investor

Mortgage

Document Number	0000060001
Date	Aug 30, 2021
Instrument	2021060001

Lender

Name	EDUCATIONAL EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2774 RICHARD AVE, CAYUCOS, CA 93430-1467
Transaction Type	Mortgage
Record Updated	Mar 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7135 SHALE ROCK RD, PASO ROBLES, CA 93446-9376

Mortgage

Document Number	0000016166
Date	Mar 2, 2021
Instrument	2021016166

Lender

Name	MACI UMBERTIS
Type	Private Party
Address	1940 SPRING ST, PASO ROBLES, CA 93446

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 25, 2020
Property Address	2774 RICHARD AVE, CAYUCOS, CA 93430-1467
Document Number	0000053216
Instrument Date	Sep 22, 2020
Instrument	53216
Transaction Type	Transfer
Record Updated	Oct 6, 2020
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	7135 SHALE ROCK RD PASO ROBLES CA 934469376, PASO ROBLES, CA 93446-9376

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 25, 2020
Property Address	2774 RICHARD AVE, CAYUCOS, CA 93430-1467
Document Number	0000053215
Instrument Date	Sep 22, 2020
Instrument	53215
Transaction Type	Transfer
Record Updated	Oct 6, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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	2615 BEECHWOOD DR PASO ROBLES CA 93446, PASO ROBLES, CA 93446

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 25, 2020
Property Address	2774 RICHARD AVE, CAYUCOS, CA 93430-1467
Document Number	0000053214
Instrument Date	Sep 17, 2020
Instrument	53214
Transaction Type	Transfer
Record Updated	Oct 6, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2774 RICHARD AVE CAYUCOS CA 934301467, CAYUCOS, CA 93430-1467

Mortgage

Document Number	53217
Date	Sep 25, 2020
Instrument	53217

Lender

Name	BARRY PURCHASE
Address	1204 NIPOMO ST, SAN LUIS OBISPO, CA 93401-3933

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 24, 2021

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		$979,600 (+2%) Land $703,580 Building $276,020
2025	$10,064.00 (+1.91%)	$960,393 (+4.04%) Land $689,785 Building $270,608
2023	$9,875.00 (+1.71%)	$923,100 Land $663,000 Building $260,100
2022	$9,709.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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