3184 Ocean Blvd, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 3184 Ocean Blvd, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,160 sqft · built 1981
Lot Size	0.064 acres (2,800 sqft)
Owner	Individual Name on Record
Last Sale	$675,000 (Apr 2019)
Tax Bill	$8,127 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`064-414-027`

Property Details

APN / Parcel Number

Primary APN	`064-414-027`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Building Area	2,160 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Construction Type	Wood
Lot Area	2,800 sqft (0.064 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air
Sewer	Connected

Location & Zoning

Street Address	3184 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 PM 16/89 PAR A
Legal Subdivision	PARCEL MAP COAL-74-209
Legal Tract	3
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 September 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3184 OCEAN BLVD, CAYUCOS, CA 93430-1824
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage KD CAPITAL MORTGAGE CORPORATION
Mar 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage KD CAPITAL MORTGAGE CORPORATION
Apr 10, 2019	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 10, 2019	Affidavit of Death, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2019 · Amount on Record
Deed Sale	Apr 10, 2019 · Amount on Record
Prior Sale	Aug 30, 2002
Deed Document Number	2019012641
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	3184 OCEAN BLVD, CAYUCOS, CA 93430-1824
Transaction Type	Mortgage
Record Updated	Feb 18, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3184 OCEAN BLVD, CAYUCOS, CA 93430-1824

Mortgage

Document Number	0000010197
Date	Feb 9, 2021
Instrument	2021010197

Lender

Name	KD CAPITAL MORTGAGE CORPORATION
Type	Mortgage Company
Address	PASO ROBLES, CA 93446

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	3184 OCEAN BLVD, CAYUCOS, CA 93430-1824
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014209
Date	Mar 23, 2020
Instrument	2020014209

Lender

Name	KD CAPITAL MORTGAGE CORPORATION
Type	Mortgage Company
Address	PASO ROBLES, CA 93446

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 10, 2019
Property Address	3184 OCEAN BLVD, CAYUCOS, CA 93430-1824
Document Number	0000012641
Map Reference	MB 16 PG 89
Instrument Date	Mar 22, 2019
Instrument	2019012641
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN 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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3184 OCEAN BLVD, CAYUCOS, CA 93430-1824

Mortgage

Document Number	0000012642
Date	Apr 10, 2019
Instrument	2019012642

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

April 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 10, 2019
Property Address	3184 OCEAN BLVD, CAYUCOS, CA 93430-1824
Document Number	0000012640
Instrument Date	Mar 20, 2019
Instrument	12640
Transaction Type	Transfer
Record Updated	Apr 18, 2019
Title Company	FIRST AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3184 OCEAN BLVD CAYUCOS CA 934301824, CAYUCOS, CA 93430-1824

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of July 1, 2025

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
2025	$8,127.00 (+2.14%) Homeowner's exemption	$752,970 (+4.04%) Land $390,429 Building $362,541
2023	$7,957.00 (+1.8%) Homeowner's exemption	$723,733 Land $375,269 Building $348,464
2022	$7,816.00

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.

Nearby Properties on Ocean Blvd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures