2999 Richard Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 2999 Richard Ave, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,296 sqft · built 1984
Lot Size	0.044 acres (1,920 sqft)
Owner	Company Name on Record
Last Sale	$213,000 (Oct 1996)
Tax Bill	$3,653 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jun 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`064-211-062`

Property Details

APN / Parcel Number

Primary APN	`064-211-062`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	3 Stories
Building Area	1,296 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Construction Type	Wood
Lot Area	1,920 sqft (0.044 acres)
Terrain	Above Road/Slope
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2999 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 LT 1 LESS RD
Legal Subdivision	MORRO STRAND 05
Legal Tract	5
Legal Block	84
Legal Lot Number	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2000
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	Company Name on Record
Mailing Address	2999 RICHARD AVE, CAYUCOS, CA 93430-1507
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage · Line of Credit THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION
Jun 15, 2018	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 1996 · Amount on Record
Deed Sale	Oct 30, 1996 · Amount on Record
Prior Sale	Sep 9, 1996 · Amount on Record
Deed Document Number	199655791
Prior Transfer Date	Mar 8, 1994
Prior Transfer Doc	0000017956
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 29, 2026
Property Address	2999 RICHARD AVE, CAYUCOS, CA 93430-1507
Document Number	0000024064
Instrument Date	Jul 23, 2026
Instrument	202624064
Transaction Type	Mortgage
Record Updated	Aug 6, 2026
Title Company	TITLE365 - OMAHA, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2999 RICHARD AVE, CAYUCOS, CA 93430-1507

Mortgage

Document Number	0000024064,
Date	Jul 29, 2026
Instrument	202624064

Lender

Name	THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2056

Interest

Rate	6.49%
Max Rate	-1%

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2999 RICHARD AVE, CAYUCOS, CA 93430-1507
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024597
Date	Jun 15, 2018
Instrument	2018024597

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Lending Institution
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 25, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$353,817 (+2%) Land $215,947 Building $137,870
2025	$3,653.00 (+2.12%) Homeowner's exemption	$346,880 (+4.04%) Land $211,713 Building $135,167
2023	$3,577.00 (+1.79%) Homeowner's exemption	$333,412 Land $203,493 Building $129,919
2022	$3,514.00

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	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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