3348 Shearer Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 3348 Shearer Ave, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 949 sqft · built 1973
Lot Size	0.064 acres (2,800 sqft)
Owner	Individual Name on File
Last Sale	$610,000 (Sep 2018)
Tax Bill	$7,099 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`064-426-009`

Property Details

APN / Parcel Number

Primary APN	`064-426-009`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	949 sqft Living Area
1st Floor Area	949 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Construction Type	Wood
Lot Area	2,800 sqft (0.064 acres)
Lot Dimensions	70 ft deep x 40 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3348 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 1 BL 14 LT 9
Legal Subdivision	MORRO STRAND 01
Legal Tract	1
Legal Block	14
Legal Lot Number	9
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2018
Census Tract	10504

Owner

3348 Shearer Ave is owned and occupied by an individual who bought it in September 2018.

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

Owner of Record	Individual Name on File
Mailing Address	3348 SHEARER AVE, CAYUCOS, CA 93430-1841
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
May 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD
Sep 4, 2018	Quit Claim Deed, Transfer PLACER TITLE COMPANY
Sep 4, 2018	Grant Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2018 · Amount on File
Deed Sale	Sep 4, 2018 · Amount on File
Prior Sale	Nov 6, 2008 · Amount on File
Deed Document Number	201836487
Prior Transfer Date	Oct 20, 1994
Prior Transfer Doc	0000063255
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	3348 SHEARER AVE, CAYUCOS, CA 93430-1841
Transaction Type	Mortgage
Record Updated	Mar 21, 2023
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3348 SHEARER AVE, CAYUCOS, CA 93430-1841

Mortgage

Document Number	0000006621
Date	Mar 10, 2023
Instrument	2023006621

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	FORT WORTH, TX 76155

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	3348 SHEARER AVE, CAYUCOS, CA 93430-1841
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024691
Date	May 20, 2020
Instrument	2020024691

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 4, 2018
Property Address	3348 SHEARER AVE, CAYUCOS, CA 93430-1841
Document Number	0000036488
Instrument Date	Aug 24, 2018
Instrument	36488
Transaction Type	Transfer
Record Updated	Sep 13, 2018
Title Company	PLACER TITLE COMPANY

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	3348 SHEARER AVE CAYUCOS CA 934301841, CAYUCOS, CA 93430-1841

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 4, 2018
Property Address	3348 SHEARER AVE, CAYUCOS, CA 93430-1841
Document Number	0000036487
Map Reference	MB3 PG105
Instrument Date	Aug 24, 2018
Instrument	2018036487
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER TITLE CO

Transaction

Amount	Amount on Record
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
Address	3348 SHEARER AVE, CAYUCOS, CA 93430-1841

Mortgage

Document Number	0000036489
Date	Sep 4, 2018
Instrument	2018036489

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3348 Shearer Ave was $7,099 with a homeowner's exemption.

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		$694,070 (+2%) Land $483,574 Building $210,496
2025	$7,099.00 Homeowner's exemption	$680,462 Land $474,093 Building $206,369
2023	$6,961.00 (+1.74%) Homeowner's exemption	$654,041 Land $455,685 Building $198,356
2022	$6,842.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 3348 Shearer Ave in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1983.

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

Wildfire risk around 3348 Shearer Ave is moderate, ranking above 64% of the US, with a 0.2% annual chance of 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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