2781 Ocean Blvd, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 2781 Ocean Blvd, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,923 sqft · built 2012
Lot Size	0.04 acres (1,750 sqft)
Owner	Individual Name on Record
Last Sale	$550,000 (Aug 2013)
Tax Bill	$7,035 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`064-207-007`

Property Details

APN / Parcel Number

Primary APN	`064-207-007`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	1,923 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Construction Type	Wood
Lot Area	1,750 sqft (0.04 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	2781 OCEAN BLVD
City	CAYUCOS
State	CA
Zip	93430-1431
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	MORRO STR U5 BL 75 LT 11
Legal Subdivision	MORRO STRAND
Legal Tract	5
Legal Block	75
Legal Lot Number	11
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2008
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	Individual Name on Record
Mailing Address	2781 OCEAN BLVD, CAYUCOS, CA 93430-1431
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2013 · Amount on Record
Deed Sale	Aug 23, 2013 · Amount on Record
Prior Sale	Jul 20, 2012 · Amount on Record
Deed Document Number	201349244
Last Transfer Date	Jun 3, 2016
Transfer Doc	0000028925
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2781 OCEAN BLVD, CAYUCOS, CA 93430-1431
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000057812
Date	Dec 24, 2019
Instrument	2019057812

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

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

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2781 OCEAN BLVD, CAYUCOS, CA 93430-1431
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2781 OCEAN BLVD, CAYUCOS, CA 93430-1431

Mortgage

Document Number	0000066136
Date	Sep 29, 2021
Instrument	2021066136

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

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

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		$687,699 (+2%) Land $375,109 Building $312,590
2025	$7,035.00 (+1.99%) Homeowner's exemption	$674,215 (+4.04%) Land $367,754 Building $306,461
2023	$6,898.00 (+1.76%) Homeowner's exemption	$648,036 Land $353,475 Building $294,561
2022	$6,779.00

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 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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