2887 Richard Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 2887 Richard Ave, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,750 sqft · built 1987
Lot Size	0.176 acres (7,650 sqft)
Owner	2 Individual Names on File
Last Sale	$912,500 (May 2019)
Tax Bill	$10,658 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`064-211-004`

Property Details

APN / Parcel Number

Primary APN	`064-211-004`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,750 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Wood
Lot Area	7,650 sqft (0.176 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	2887 RICHARD AVE
City	CAYUCOS
State	CA
Zip	93430-1507
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	MORRO STR U5 BL 84 LTS 8 & 9
Legal Subdivision	MORRO STRAND
Legal Tract	5
Legal Block	84
Legal Lot Number	8,9
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2000
Census Tract	10504

Owner

2887 Richard Ave is owned by two individuals who bought it in May 2019.

Source: San Luis Obispo County records, as of August 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5 CALLIANDRA ST, LADERA RANCH, CA 92694-1367
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 31, 2019	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jun 14, 2018	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2019 · Amount on File
Deed Sale	May 31, 2019 · Amount on File
Deed Document Number	201920424
Prior Transfer Date	Sep 6, 2012
Prior Transfer Doc	0000000724
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2887 RICHARD AVE, CAYUCOS, CA 93430-1507
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	TICOR TITLE ORANGE COUNTY BR, TICOR TTL ORANGE CNTY BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 CALLIANDRA ST, LADERA RANCH, CA 92694-1367

Mortgage

Document Number	0000016996
Date	Mar 5, 2021
Instrument	2021016996

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 31, 2019
Property Address	2887 RICHARD AVE, CAYUCOS, CA 93430-1507
Document Number	0000020424
Map Reference	MB 5 PG 11
Instrument Date	Apr 30, 2019
Instrument	2019020424
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
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	Joint Tenants
Address	5 CALLIANDRA ST, LADERA RANCH, CA 92694-1367

Mortgage

Document Number	0000020426
Date	May 31, 2019
Instrument	2019020426

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

June 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 14, 2018
Property Address	2887 RICHARD AVE, CAYUCOS, CA 93430-1507
Document Number	0000024524
Instrument Date	Jun 13, 2018
Instrument	24524
Transaction Type	Transfer
Record Updated	Jun 21, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1559 SAN ANDREAS AVE SAN JOSE CA 951181057, SAN JOSE, CA 95118-1057

Tax Assessment & Valuation

The 2025 property tax bill for 2887 Richard Ave was $10,658.

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		$1,038,262 (+2%) Land $597,357 Building $440,905
2025	$10,658.00	$1,017,905 Land $585,645 Building $432,260
2023	$10,458.00 (+1.71%)	$978,380 Land $562,904 Building $415,476
2022	$10,282.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 2887 Richard Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 2887 Richard Ave is high, ranking above 71% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 71% of the US · above 46% of California
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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