San Luis Obispo County property record for 2784 Richard Ave, Cayucos, CA 93430
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,280 sqft · built 1986 |
| Lot Size | 0.04 acres (1,750 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,287 (2025) |
| Deeds & Mortgages | Dec 2025 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 064-204-030 |
| Primary APN | 064-204-030 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,280 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Construction Type | Wood |
| Lot Area | 1,750 sqft (0.04 acres) |
| Terrain | Steep |
| Parking Spaces | 1 Parking Space |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 2784 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 51 |
| Legal Subdivision | MORRO STRAND 05 |
| Legal Tract | 5 |
| Legal Block | 82 |
| Legal Lot Number | 51 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 10504 |
Source: San Luis Obispo County records, as of August 6, 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 | Individual Name on Record |
|---|---|
| Mailing Address | 2784 RICHARD AVE, CAYUCOS, CA 93430-1467 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 2784 RICHARD AVE, CAYUCOS, CA 93430-1467 |
| Transaction Type | Mortgage |
| Record Updated | Jan 6, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 2784 RICHARD AVE, CAYUCOS, CA 93430-1467 |
| Document Number | 0000038241 |
|---|---|
| Date | Dec 12, 2025 |
| Instrument | 2025038241 |
| Name | DIGNIFIED HOME LOANS |
|---|---|
| Type | Mortgage Company |
| Address | THOUSAND OAKS, CA 91362 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 915 Months |
| Due | Mar 20, 2102 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Feb 1, 2026 |
| Change Frequency | Monthly |
| Index | 1-Year T-Bill |
| Max Rate | 10.8% |
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $317,692 (+2%) Land $153,105 Building $164,587 | |
| 2025 | $3,287.00 (+2.14%) Homeowner's exemption | $311,463 (+4.04%) Land $150,103 Building $161,360 |
| 2023 | $3,218.00 (+1.84%) Homeowner's exemption | $299,371 Land $144,275 Building $155,096 |
| 2022 | $3,160.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
|
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.
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.
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 |
| 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures