302 Pacific Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 302 Pacific Ave, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,906 sqft · built 1940
Lot Size	0.349 acres (15,200 sqft)
Owner	Company Name on Record
Last Sale	$4,475,000 (Jan 2022)
Tax Bill	$49,170 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`064-148-001`

Property Details

APN / Parcel Number

Primary APN	`064-148-001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Building Area	1,906 sqft Living Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Construction Type	Wood
Lot Area	15,200 sqft (0.349 acres)

Location & Zoning

Street Address	302 PACIFIC AVE
City	CAYUCOS
State	CA
Zip	93430-1634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	PR BCH 1 BL 5 LTS 1 & 2
Legal Subdivision	PASO ROBLES BEACH 01
Legal Block	5
Legal Lot Number	1,2
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3010
Census Tract	10504

Owner

Source: San Luis Obispo County records, as of September 1, 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	302 PACIFIC AVE, CAYUCOS, CA 93430-1634
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2022	Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Aug 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2022 · Amount on Record
Deed Sale	Jan 7, 2022 · Amount on Record
Deed Document Number	20221154
Prior Transfer Date	Nov 10, 2015
Prior Transfer Doc	0000064701
Record Updated	Oct 29, 2026

January 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 7, 2022
Property Address	302 PACIFIC AVE, CAYUCOS, CA 93430-1634
Document Number	0000001154
Map Reference	MB 3 PG 15
Instrument Date	Jan 4, 2022
Instrument	2022001154
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Family Trust
Address	11245 MOUNT CREST PL, CUPERTINO, CA 95014-4750

Mortgage

Document Number	0000001155
Date	Jan 7, 2022
Instrument	2022001155

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Type Change Date	Feb 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.25%
Index	Other
Max Rate	7.25%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	302 PACIFIC AVE, CAYUCOS, CA 93430-1634
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031538
Date	Aug 5, 2019
Instrument	2019031538

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

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		$4,843,882 (+2%) Land $4,329,728 Building $514,154
2025	$49,170.00 (+1.87%) Homeowner's exemption	$4,748,905 (+4.04%) Land $4,244,832 Building $504,073
2023	$48,268.00 (+439.79%) Homeowner's exemption	$4,564,500 Land $4,080,000 Building $484,500
2022	$8,942.00

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 VE, within 100 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.

Wildfire

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

Wildfire Risk	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach

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	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

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 540 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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