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3294 Shearer Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 3294 Shearer Ave, Cayucos, CA 93430

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 840 sqft · built 1949
Lot Size0.064 acres (2,800 sqft)
Owner2 Individual Names on Record
Last Sale$531,000 (Jul 2005)
Tax Bill$7,638 (2025)
Deeds & MortgagesMay 2021 Mortgage
Jan 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN064-426-015

Property Details

APN / Parcel Number

Primary APN064-426-015

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories1 Story
Building Area840 sqft Living Area
1st Floor Area840 sqft

Exterior

Year BuiltBuilt 1949
Effective Year BuiltEffective 1949
Construction TypeWood
Lot Area2,800 sqft (0.064 acres)
TerrainBelow Road/Slope
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemHVAC
SewerConnected

Location & Zoning

Street Address3294 SHEARER AVE
CityCAYUCOS
StateCA
Zip93430-1843
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRSF
Legal DescriptionMORRO STR 3 LT 15 BL 14
Legal SubdivisionMORRO STRAND 03
Legal Tract3
Legal Block14
Legal Lot Number15
JurisdictionSAN LUIS OBISPO CA
Township / Civil DivisionNORTH COAST
Census Block Group2
Census Block2018
Census Tract10504

Owner

Source: San Luis Obispo County records, as of August 6, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address3294 SHEARER AVE, CAYUCOS, CA 93430-1843
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
May 13, 2021Deed of Trust, Mortgage · Conventional Mortgage
GUARANTEED RATE INC
Jan 21, 2020Deed of Trust, Mortgage · Conventional Mortgage
FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 8, 2005 · Amount on Record
Deed SaleJul 8, 2005 · Amount on Record
Deed Document Number200555806
Last Transfer DateSep 9, 2015
Transfer Doc0000063016
Record UpdatedOct 29, 2026

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN LUIS OBISPO CA
Property Address3294 SHEARER AVE, CAYUCOS, CA 93430-1843
Transaction TypeMortgage
Record UpdatedMay 26, 2021
Title CompanyORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address3294 SHEARER AVE, CAYUCOS, CA 93430-1843

Mortgage

Document Number0000035643
DateMay 13, 2021
Instrument2021035643
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
AddressCHICAGO, IL 60613
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2051

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN LUIS OBISPO CA
Property Address3294 SHEARER AVE, CAYUCOS, CA 93430-1843
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyFIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000002879
DateJan 21, 2020
Instrument2020002879
Lender
NameFLAGSTAR BANK FSB
TypeBank
AddressTROY, MI 48098
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2050

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of August 6, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Luis Obispo County
Elementary School DistrictCayucos Elementary School District (KG - 08)
Secondary School DistrictCoast Unified School District (9-12) (09 - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$740,153 (+2%) Land $578,468 Building $161,685
2025$7,638.00 (+1.94%)$725,641 (+4.04%) Land $567,126 Building $158,515
2023$7,493.00 (+1.72%)$697,464 Land $545,104 Building $152,360
2022$7,366.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 20 policies
Nearby Flood Policies20 in force
Nearby Flood Claims10 (1983–2016)
Claims Outside the SFHA6 of 10
Most Recent ClaimJan 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 RiskModerate
above 64% of the US · lower than 60% of California
Wildfire Likelihood0.2% annual chance
ExposureIndirect
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 SystemSLOCSA #10A - CAYUCOS
serves 1,200 people · EPA ID CA4010901
Water SourcePurchased surface water from SLO CSA NO. 10 - CAYUCOS WTP
Last State InspectionOct 2024
Lead1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

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

May also be available: Ranch Wifi.

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