San Luis Obispo County property record for 28 22nd St, Cayucos, CA 93430
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 977 sqft · built 2025 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | Company Name on File |
| Last Sale | $1,650,000 (Jun 2022) |
| Tax Bill | $16,588 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Jun 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 064-184-004 |
| Primary APN | 064-184-004 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 977 sqft Living Area |
| 1st Floor Area | 977 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Construction Type | Wood |
| Lot Area | 6,000 sqft (0.138 acres) |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 28 22ND ST |
|---|---|
| City | CAYUCOS |
| State | CA |
| Zip | 93430-1466 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | PR BCH 3 BL 15 LTS 6 & 7 |
| Legal Subdivision | PASO ROBLES BEACH 03 |
| Legal Block | 15 |
| Legal Lot Number | 6,7 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 10504 |
Source: San Luis Obispo County assessment roll, 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 | Company Name on File |
|---|---|
| Mailing Address | 102 EVERGREEN AVE, MILL VALLEY, CA 94941-3318 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Oct 9, 2025 | Deed of Trust, Mortgage · SBA Mortgage VELOCITYSBA LLC |
| Jun 2, 2023 | Deed of Trust, Mortgage · SBA Mortgage VELOCITYSBA LLC |
| Mar 24, 2023 | Deed of Trust, Mortgage · Line of Credit GREATER NEVADA CU |
| Jun 7, 2022 | Grant Deed, Transfer FIRST AMERICAN TITLE COMPANY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 7, 2022 · Amount on Record |
| Deed Sale | Jun 7, 2022 · Amount on Record |
| Deed Document Number | 202223993 |
| Prior Transfer Date | Jun 4, 1998 |
| Prior Transfer Doc | 0000035744 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 28 22ND ST, CAYUCOS, CA 93430-1466 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2025 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE AGEN |
| Name | Verified Name |
|---|---|
| Address | 28 22ND STREET, PASADENA, CA 91106 |
| Document Number | 0000029799 |
|---|---|
| Date | Oct 9, 2025 |
| Instrument | 2025029799 |
| Name | VELOCITYSBA LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | PASADENA, CA 91106 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 28 22ND ST, CAYUCOS, CA 93430-1466 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2023 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|---|
| Address | 28 22ND ST, CAYUCOS, CA 93430-1466 |
| Document Number | 0000015357 |
|---|---|
| Date | Jun 2, 2023 |
| Instrument | 2023015357 |
| Name | VELOCITYSBA LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | PASADENA, CA 91106 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 28 22ND ST, CAYUCOS, CA 93430-1466 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2023 |
| Name | Verified Name |
|---|---|
| Address | 28 22ND ST, CAYUCOS, CA 93430-1466 |
| Document Number | 0000007942 |
|---|---|
| Date | Mar 24, 2023 |
| Instrument | 2023007942 |
| Name | GREATER NEVADA CU |
|---|---|
| Type | Credit Union |
| Address | CARSON CITY, NV 89702 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 3 Months |
| Due | Jun 16, 2023 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Jun 7, 2022 |
| Property Address | 28 22ND ST, CAYUCOS, CA 93430-1466 |
| Document Number | 0000023993 |
| Map Reference | MB 3 PG 115 |
| Instrument Date | May 26, 2022 |
| Instrument | 2022023993 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 28 22ND ST, CAYUCOS, CA 93430-1466 |
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 | $2,052,048 (+28.91%) Land $1,623,648 Building $428,400 | |
| 2025 | $16,588.00 (-7.3%) | $1,591,812 (-5.42%) Land $1,591,812 |
| 2023 | $17,895.00 (+2,471.12%) | $1,683,000 Land $1,530,000 Building $153,000 |
| 2022 | $696.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 17 policies |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 7 (1993–2016) |
| Claims Outside the SFHA | 6 of 7 |
| Most Recent Claim | Dec 2016 · other causes |
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 55% of the US · lower than 67% of California |
|---|---|
| Wildfire Likelihood | 0.1% 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 | CAYUCOS BEACH MUTUAL WATER COMPANY serves 2,567 people · EPA ID CA4010006 |
|---|---|
| Water Source | Purchased surface water from SLO CSA NO. 10 - CAYUCOS WTP |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2023–2025) 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 369 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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