2885 Ocean Blvd, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 2885 Ocean Blvd, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,867 sqft · built 1955
Lot Size	0.161 acres (7,000 sqft)
Owner	Company Name on File
Last Sale	$134,500 (May 1994)
Tax Bill	$4,326 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Apr 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`064-263-009`

Property Details

APN / Parcel Number

Primary APN	`064-263-009`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,867 sqft Living Area
1st Floor Area	1,867 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Construction Type	Wood
Lot Area	7,000 sqft (0.161 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	2885 OCEAN BLVD
City	CAYUCOS
State	CA
Zip	93430-1513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF
Legal Description	MORRO STR U5 BL 74 LTS 11 & 12 & 39 & 40
Legal Subdivision	MORRO STRAND
Legal Tract	5
Legal Block	74
Legal Lot Number	11
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2012
Census Tract	10504

Owner

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	2885 OCEAN BLVD, CAYUCOS, CA 93430-1513
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 22, 2022	Intrafamily Transfer, Transfer · Line of Credit SESLOC FCU
Apr 25, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jul 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Aug 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage CHU & ASSOCIATES INC
Jul 30, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 12, 1994 · Amount on Record
Deed Sale	May 12, 1994 · Amount on Record
Deed Document Number	199429811
Last Transfer Date	Apr 18, 2022
Transfer Doc	0000018225
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2885 OCEAN BLVD, CAYUCOS, CA 93430-1513
Transaction Type	Mortgage
Record Updated	Aug 22, 2023
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2892 ORVILLE AVE, CAYUCOS, CA 93430-1504

Mortgage

Document Number	0000072497
Date	Oct 27, 2021
Instrument	2021072497

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 22, 2022
Property Address	2885 OCEAN BLVD, CAYUCOS, CA 93430-1513
Document Number	0000017768
Map Reference	MB 5 PG 11
Instrument Date	Apr 18, 2022
Instrument	2022017768
Transaction Type	Transfer
Record Updated	Aug 22, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2885 OCEAN BLVD, CAYUCOS, CA 93430-1513

Mortgage

Document Number	0000017769
Date	Apr 22, 2022
Instrument	2022017769

Lender

Name	SESLOC FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 25, 2022
Property Address	2885 OCEAN BLVD, CAYUCOS, CA 93430-1513
Document Number	0000018225
Map Reference	MB 5 PG 11
Instrument Date	Apr 18, 2022
Instrument	2022018225
Transaction Type	Transfer
Record Updated	Aug 22, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2885 OCEAN BLVD, CAYUCOS, CA 93430-1513

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2885 OCEAN BLVD, CAYUCOS, CA 93430-1513
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037520
Date	Jul 23, 2020
Instrument	2020037520

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jul 1, 2045

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2885 OCEAN BLVD, CAYUCOS, CA 93430-1513
Document Number	0000034794
Instrument Date	Aug 16, 2019
Transaction Type	Mortgage
Record Updated	Sep 5, 2019
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2885 OCEAN BLVD CAYUCOS CA 934301513, CAYUCOS, CA 93430-1513

Mortgage

Document Number	0000034794
Date	Aug 23, 2019
Instrument	34794

Lender

Name	CHU & ASSOCIATES INC
Address	3452 E FOOTHILL BLVD # 530, PASADENA, CA 91107-3163

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Aug 22, 2044

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 30, 2019
Property Address	2885 OCEAN BLVD, CAYUCOS, CA 93430-1513
Document Number	0000030704
Instrument Date	Jul 30, 2019
Instrument	30704
Transaction Type	Transfer
Record Updated	Aug 8, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2892 ORVILLE AVE CAYUCOS CA 934301504, CAYUCOS, CA 93430-1504

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		$413,170 (+2%) Land $156,932 Building $256,238
2025	$4,326.00 (+40.32%)	$405,069 (+44.85%) Land $153,855 Building $251,214
2023	$3,083.00 (+2.9%)	$279,642 Land $147,882 Building $131,760
2022	$2,996.00

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 AE, 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

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: Radiate Holdings, Ranch WiFi.

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