32 S Ocean Ave, #5, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 32 S Ocean Ave, #5, Cayucos, CA 93430

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,516 sqft · built 1981
Lot Size	0.035 acres (1,516 sqft)
Owner	Company Name on Record
Last Sale	$350,000 (Mar 2016)
Tax Bill	$6,506 (2025)
Deeds & Mortgages	May 2020 Mortgage May 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`064-102-021`

Property Details

APN / Parcel Number

Primary APN	`064-102-021`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,516 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Condo/Apartment
Construction Type	Wood
Lot Area	1,516 sqft (0.035 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	32 S OCEAN AVE, 5
City	CAYUCOS
State	CA
Zip	93430-1640
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	CR
Legal Description	TR 740 U5 & PTN LT 1
Legal Subdivision	TRACT NO 740
Legal Tract	740
Legal Block	1
Legal Lot Number	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1024
Census Tract	10504

Owner

Source: San Luis Obispo County records, as of August 6, 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	Company Name on Record
Mailing Address	PO BOX 487, FIVE POINTS, CA 93624-0487
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
May 1, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage COUNTRY CLUB MORTGAGE INC
May 4, 2020	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Oct 30, 2019	Quit Claim Deed, Transfer PUBLIC TITLE COMPANY, PUBLIC TITLE CO
May 24, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage COUNTRY CLUB MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2016 · Amount on Record
Deed Sale	Mar 2, 2016 · Amount on Record
Prior Sale	Feb 17, 2011
Deed Document Number	20169058
Last Transfer Date	Apr 27, 2020
Transfer Doc	0000021342
Record Updated	Oct 29, 2026

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 1, 2020
Property Address	32 S OCEAN AVE # 5, 5, CAYUCOS, CA 93430-1640
Document Number	0000021173
Map Reference	MB 10 PG 69
Instrument Date	Apr 27, 2020
Instrument	2020021173
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE CO

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	Joint Tenants
Address	PO BOX 487, FIVE POINTS, CA 93624-0487

Mortgage

Document Number	0000021174
Date	May 1, 2020
Instrument	2020021174

Lender

Name	COUNTRY CLUB MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 4, 2020
Property Address	32 S OCEAN AVE # 5, 5, CAYUCOS, CA 93430-1640
Document Number	0000021342
Instrument Date	Apr 27, 2020
Instrument	21342
Transaction Type	Transfer
Record Updated	May 14, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL 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	PO BOX 487 FIVE POINTS CA 936240487, FIVE POINTS, CA 93624-0487

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 30, 2019
Property Address	32 S OCEAN AVE # 5, 5, CAYUCOS, CA 93430-1640
Document Number	0000048237
Instrument Date	Oct 25, 2019
Instrument	48237
Transaction Type	Transfer
Record Updated	Nov 8, 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	PO BOX 97 FIVE POINTS CA 936240097, FIVE POINTS, CA 93624-0097

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 24, 2017
Property Address	32 S OCEAN AVE # 5, 5, CAYUCOS, CA 93430-1640
Document Number	0000022498
Map Reference	MAP10 PG69
Instrument Date	May 15, 2017
Instrument	2017022498
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE CO

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	Joint Tenants
Address	32 S OCEAN AVE, CAYUCOS, CA 93430-1640

Mortgage

Document Number	0000022499
Date	May 24, 2017
Instrument	2017022499

Lender

Name	COUNTRY CLUB MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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		$628,363 (+2%) Land $314,442 Building $313,921
2025	$6,506.00 (+1.96%)	$616,043 (+4.04%) Land $308,277 Building $307,766
2023	$6,381.00 (+1.72%)	$592,123 Land $296,307 Building $295,816
2022	$6,273.00

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 individual policies
Nearby Flood Policies	33 units insured incl. 12 condo units
Nearby Flood Claims	7 (1998–2023)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Oct 2023
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 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 63% of the US · lower than 61% 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	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 380 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

Nearby Properties on S Ocean Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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