3178 Ocean Blvd, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 3178 Ocean Blvd, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,248 sqft · built 1958
Lot Size	0.06 acres (2,625 sqft)
Owner	2 Company Names on Record
Last Sale	$735,000 (Jun 2020)
Tax Bill	$8,440 (2025)
Deeds & Mortgages	May 2023 Line of Credit Jun 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`064-414-005`

Property Details

APN / Parcel Number

Primary APN	`064-414-005`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Multi-Family
Construction Type	Wood
Lot Area	2,625 sqft (0.06 acres)
Terrain	Below Road/Slope
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	3178 OCEAN BLVD
City	CAYUCOS
State	CA
Zip	93430-1824
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF
Legal Description	MORRO STR 3 BL 50 LT 11
Legal Subdivision	MORRO STRAND
Legal Tract	3
Legal Block	50
Legal Lot Number	11
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2016
Census Tract	10504

Owner

Source: San Luis Obispo County records, as of August 26, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	3189 SHEARER AVE, B, CAYUCOS, CA 93430-1856
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
May 2, 2023	Intrafamily Transfer, Transfer · Line of Credit SESLOC FCU
Jun 18, 2020	Grant Deed, Transfer · Conventional with PMI GUARANTEED RATE
Apr 22, 2019	Grant Deed, Transfer · Conventional Mortgage QUICKEN LNS
Apr 22, 2019	Affidavit of Death, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2020 · Amount on Record
Deed Sale	Jun 18, 2020 · Amount on Record
Prior Sale	Apr 22, 2019 · Amount on Record
Deed Document Number	202029984
Last Transfer Date	Mar 30, 2023
Transfer Doc	0000011947
Record Updated	Oct 29, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 2, 2023
Property Address	3178 OCEAN BLVD, CAYUCOS, CA 93430-1824
Document Number	0000011947
Map Reference	MB 3 PG 112
Instrument Date	Mar 30, 2023
Instrument	2023011947
Transaction Type	Transfer
Record Updated	May 11, 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	Community Property with Right of Survivorship
Address	3178 OCEAN BLVD, CAYUCOS, CA 93430-1824

Mortgage

Document Number	0000011948
Date	May 2, 2023
Instrument	2023011948

Lender

Name	SESLOC FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 18, 2020
Property Address	3178 OCEAN BLVD, CAYUCOS, CA 93430-1824
Document Number	0000029984
Instrument Date	May 26, 2020
Instrument	29984
Transaction Type	Transfer
Record Updated	Jun 26, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$809.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3178 OCEAN BLVD CAYUCOS CA 934301824, CAYUCOS, CA 93430-1824

Mortgage

Document Number	29985
Date	Jun 18, 2020
Instrument	29985

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2050

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 22, 2019
Property Address	3178 OCEAN BLVD, CAYUCOS, CA 93430-1824
Document Number	0000014340
Instrument Date	Apr 1, 2019
Instrument	14340
Transaction Type	Transfer
Record Updated	May 1, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11711 GRACEVILLE CT BAKERSFIELD CA 933125719, BAKERSFIELD, CA 93312-5719

Mortgage

Document Number	14341
Date	Apr 22, 2019
Instrument	14341

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 21, 2049

April 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 22, 2019
Property Address	3178 OCEAN BLVD, CAYUCOS, CA 93430-1824
Document Number	0000014339
Instrument Date	Apr 1, 2019
Instrument	14339
Transaction Type	Transfer
Record Updated	May 1, 2019
Title Company	FIRST AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3178 OCEAN BLVD CAYUCOS CA 934301824, CAYUCOS, CA 93430-1824

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		$826,455 (+2%) Land $533,590 Building $292,865
2025	$8,440.00 (+2.76%) Homeowner's exemption	$810,251 (+4.87%) Land $523,128 Building $287,123
2023	$8,213.00 (+1.75%) Homeowner's exemption	$772,613 Land $499,309 Building $273,304
2022	$8,072.00

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
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 64% of the US · lower than 60% of California
Wildfire Likelihood	0.2% 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	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 355 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Ranch Wifi.

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