3191 Ocean Blvd, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 3191 Ocean Blvd, Cayucos, CA 93430

Property Summary

Property Type	Home Plus Accessory Dwelling Unit
Details	3 bd · 3 ba · 1,292 sqft · built 1978
Lot Size	0.064 acres (2,800 sqft)
Owner	Individual Name on Record
Last Sale	$1,350,000 (Jan 2024)
Tax Bill	$14,296 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jan 2024 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`064-411-034`

Property Details

APN / Parcel Number

Primary APN	`064-411-034`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Building Area	1,292 sqft Living Area
Gross Area	1,652 sqft

Exterior

Year Built	Built 1978
Construction Type	Wood
Lot Area	2,800 sqft (0.064 acres)
Terrain	Other
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3191 OCEAN BLVD
City	CAYUCOS
State	CA
Zip	93430-1823
Property Category	Residential
Property Type	Residential > Single Family > Home Plus Accessory Dwelling Unit
Local Zoning Code	RSF
Legal Description	MORRO STR U 3 BL 53 LT 3
Legal Subdivision	MORRO STRAND 03
Legal Block	53
Legal Lot Number	3
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2017
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	3191 OCEAN BLVD, CAYUCOS, CA 93430-1823
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jan 30, 2024	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 9, 2021	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Oct 15, 2019	Quit Claim Deed, Transfer PUBLIC TITLE COMPANY, PUBLIC TITLE CO
Jul 26, 2019	Quit Claim Deed, Mortgage · Conventional with PMI RABOBANK
May 3, 2018	Grant Deed, Transfer · VA Mortgage CALIBER HM LOANS
May 3, 2018	Quit Claim Deed, Transfer · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2024 · Amount on Record
Deed Sale	Jan 30, 2024 · Amount on Record
Prior Sale	Sep 9, 2021 · Amount on Record
Deed Document Number	2024002415
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	3191 OCEAN BLVD, CAYUCOS, CA 93430-1823
Transaction Type	Mortgage
Record Updated	Feb 17, 2026
Title Company	UNKNOWN, ROCKET CLOSE LLC RESIDENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3191 OCEAN BLVD, CAYUCOS, CA 93430-1823

Mortgage

Document Number	0000003476
Date	Feb 4, 2026
Instrument	2026003476

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Feb 1, 2054

January 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 30, 2024
Property Address	3191 OCEAN BLVD, CAYUCOS, CA 93430-1823
Document Number	0000002415
Map Reference	MB 3 PG 112
Instrument Date	Jan 3, 2024
Instrument	2024002415
Transaction Type	Transfer
Record Updated	Feb 8, 2024
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

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	Joint Tenants
Address	3191 OCEAN BLVD, CAYUCOS, CA 93430-1823

Mortgage

Document Number	0000002416
Date	Jan 30, 2024
Instrument	2024002416

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 9, 2021
Property Address	3191 OCEAN BLVD, CAYUCOS, CA 93430-1823
Document Number	0000062163
Map Reference	MB 3 PG 112
Instrument Date	Aug 10, 2021
Instrument	2021062163
Transaction Type	Transfer
Record Updated	Aug 23, 2022
Title Company	PLACER 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	Joint Tenants
Address	5124 W MERLOT CT, VISALIA, CA 93291-9113

Mortgage

Document Number	0000062164
Date	Sep 9, 2021
Instrument	2021062164

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

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

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 15, 2019
Property Address	3191 OCEAN BLVD, CAYUCOS, CA 93430-1823
Document Number	0000045282
Instrument Date	Oct 15, 2019
Instrument	45282
Transaction Type	Transfer
Record Updated	Oct 23, 2019
Title Company	PUBLIC TITLE COMPANY, PUBLIC TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3191 OCEAN BLVD CAYUCOS CA 934301823, CAYUCOS, CA 93430-1823

July 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 26, 2019
Property Address	3191 OCEAN BLVD, CAYUCOS, CA 93430-1823
Document Number	0000030108
Instrument Date	Jun 26, 2019
Instrument	30108
Transaction Type	Mortgage
Record Updated	Aug 5, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3191 OCEAN BLVD CAYUCOS CA 934301823, CAYUCOS, CA 93430-1823

Mortgage

Document Number	30109
Date	Jul 26, 2019
Instrument	30109

Lender

Name	RABOBANK
Type	Bank
Address	ARROYO GRANDE, CA 93421-6002

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 3, 2018
Property Address	3191 OCEAN BLVD, CAYUCOS, CA 93430-1823
Document Number	0000017981
Instrument Date	Apr 4, 2018
Instrument	17981
Transaction Type	Transfer
Record Updated	Jul 21, 2020
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$792.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3191 OCEAN BLVD CAYUCOS CA 934301823, CAYUCOS, CA 93430-1823

Mortgage

Document Number	17982
Date	May 3, 2018
Instrument	17982

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 2, 2048

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 3, 2018
Property Address	3191 OCEAN BLVD, CAYUCOS, CA 93430-1823
Document Number	0000017980
Instrument Date	Apr 4, 2018
Instrument	17980
Transaction Type	Transfer
Record Updated	Jul 21, 2020
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3191 OCEAN BLVD CAYUCOS CA 934301823, CAYUCOS, CA 93430-1823

Mortgage

Document Number	17982
Date	May 3, 2018
Instrument	17982

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 2, 2048

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	$14,296.00 (+9.54%) Homeowner's exemption	$1,377,000 (+12.5%) Land $867,000 Building $510,000
2023	$13,051.00 (+1.71%)	$1,224,000 Land $688,500 Building $535,500
2022	$12,832.00

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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