3312 Shearer Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 3312 Shearer Ave, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,234 sqft · built 1988
Lot Size	0.064 acres (2,800 sqft)
Owner	2 Individual Names on File
Last Sale	$645,000 (May 2011)
Tax Bill	$8,607 (2025)
Deeds & Mortgages	May 2026 Mortgage Aug 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`064-426-012`

Property Details

APN / Parcel Number

Primary APN	`064-426-012`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	3,234 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Wood
Lot Area	2,800 sqft (0.064 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	3312 SHEARER AVE
City	CAYUCOS
State	CA
Zip	93430-1841
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	MORRO STR U 3 BL 14 LT 12
Legal Subdivision	MORRO STRAND 03
Legal Block	14
Legal Lot Number	12
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2018
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	2 Individual Names on File
Mailing Address	3312 SHEARER AVE, CAYUCOS, CA 93430-1841
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST AMERICAN TITLE
Aug 31, 2022	Deed of Trust, Mortgage · Line of Credit USALLIANCE FCU
Aug 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Aug 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jan 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2011 · Amount on File
Deed Sale	May 13, 2011 · Amount on File
Deed Document Number	201122893
Prior Transfer Date	Jul 21, 2003
Prior Transfer Doc	0000083996
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 18, 2026
Property Address	3312 SHEARER AVE, CAYUCOS, CA 93430-1841
Document Number	0000015520
Instrument Date	May 11, 2026
Instrument	202615520
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	3312 SHEARER AVE, CAYUCOS, CA 93430-1841

Mortgage

Document Number	0000015520,
Date	May 18, 2026
Instrument	202615520

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	3312 SHEARER AVE, CAYUCOS, CA 93430-1841
Transaction Type	Mortgage
Record Updated	Sep 15, 2022
Title Company	EQUITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3312 SHEAVER AVE, CAYUCOS, CA 93430-1841

Mortgage

Document Number	0000035103
Date	Aug 31, 2022
Instrument	2022035103

Lender

Name	USALLIANCE FCU
Type	Credit Union
Address	CHELMSFORD, MA 01824

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 25, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	3312 SHEARER AVE, CAYUCOS, CA 93430-1841
Transaction Type	Mortgage
Record Updated	Aug 18, 2021
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3312 SHEARER AVE, CAYUCOS, CA 93430-1841

Mortgage

Document Number	0000055579
Date	Aug 9, 2021
Instrument	2021055579

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	3312 SHEARER AVE, CAYUCOS, CA 93430-1841
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041059
Date	Aug 7, 2020
Instrument	2020041059

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2035

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	3312 SHEARER AVE, CAYUCOS, CA 93430-1841
Document Number	0000005325
Instrument Date	Jan 24, 2017
Transaction Type	Mortgage
Record Updated	Feb 17, 2017
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3312 SHEARER AVE CAYUCOS CA 934301841, CAYUCOS, CA 93430-1841

Mortgage

Document Number	0000005325
Date	Feb 2, 2017
Instrument	5325

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 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		$952,270 (+15.24%) Land $359,362 Building $592,908
2025	$8,607.00 (+1.97%) Homeowner's exemption	$826,344 (+4.04%) Land $352,316 Building $474,028
2023	$8,441.00 (+1.74%) Homeowner's exemption	$794,258 Land $338,636 Building $455,622
2022	$8,297.00

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 File 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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