3384 Gilbert Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 3384 Gilbert Ave, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,696 sqft · built 2003
Lot Size	0.119 acres (5,166 sqft)
Owner	Company Name on Record
Last Sale	$950,000 (Jul 2012)
Tax Bill	$12,156 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Feb 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`064-427-014`

Property Details

APN / Parcel Number

Primary APN	`064-427-014`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	3,696 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Construction Type	Wood
Lot Area	5,166 sqft (0.119 acres)
Terrain	Steep
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3384 GILBERT AVE
City	CAYUCOS
State	CA
Zip	93430-1859
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	MORRO STR 1 BL 15 LT 15
Legal Subdivision	MORRO STRAND 01
Legal Tract	1
Legal Block	15
Legal Lot Number	15
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2013
Census Tract	10504

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 Record	Company Name on Record
Mailing Address	3384 GILBERT AVE, CAYUCOS, CA 93430-1859
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Feb 15, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2012 · Amount on Record
Deed Sale	Jul 26, 2012 · Amount on Record
Prior Sale	May 4, 2004 · Amount on Record
Deed Document Number	201241302
Last Transfer Date	Jan 31, 2017
Transfer Doc	0000007274
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	3384 GILBERT AVE, CAYUCOS, CA 93430-1859
Transaction Type	Mortgage
Record Updated	Mar 14, 2022
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3384 GILBERT AVE, CAYUCOS, CA 93430-1859

Mortgage

Document Number	0000009476
Date	Mar 2, 2022
Instrument	2022009476

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2032

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 15, 2017
Property Address	3384 GILBERT AVE, CAYUCOS, CA 93430-1859
Document Number	0000007274
Instrument Date	Jan 31, 2017
Instrument	7274
Transaction Type	Transfer
Record Updated	Feb 27, 2017

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	755 SANTA ROSA ST #310 SAN LUIS OBISPO CA 934014805, 310, SAN LUIS OBISPO, CA 93401-4805

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		$1,193,241 (+2%) Land $439,612 Building $753,629
2025	$12,156.00 (+1.93%) Homeowner's exemption	$1,169,845 (+4.04%) Land $430,993 Building $738,852
2023	$11,926.00 (+1.72%) Homeowner's exemption	$1,124,420 Land $414,258 Building $710,162
2022	$11,724.00

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	High above 79% of the US · above 56% of California
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

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.

Cell Coverage

5G and 4G LTE (outdoors only)

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