3400 Gilbert Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 3400 Gilbert Ave, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,278 sqft · built 1975
Lot Size	0.094 acres (4,085 sqft)
Owner	Company Name on Record
Last Sale	$585,000 (Aug 2020)
Tax Bill	$6,684 (2025)
Deeds & Mortgages	Aug 2020 Sale Nov 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`064-406-005`

Property Details

APN / Parcel Number

Primary APN	`064-406-005`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,278 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Construction Type	Wood
Lot Area	4,085 sqft (0.094 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3400 GILBERT AVE
City	CAYUCOS
State	CA
Zip	93430-1818
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	MORRO STR 1 BL 19 LT 9
Legal Subdivision	MORRO STRAND
Legal Tract	1
Legal Block	19
Legal Lot Number	9
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2015
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	1250 SUNNYSIDE AVE, 101, CLOVIS, CA 93611-2903
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2020	Grant Deed, Transfer FIRST AMERICAN TITLE
Nov 15, 2019	Affidavit of Death, Transfer PUBLIC TITLE COMPANY, PUBLIC TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2020 · Amount on Record
Deed Sale	Aug 4, 2020 · Amount on Record
Deed Document Number	202040119
Prior Transfer Date	Dec 26, 2013
Prior Transfer Doc	0000070360
Record Updated	Sep 20, 2026

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 4, 2020
Property Address	3400 GILBERT AVE, CAYUCOS, CA 93430-1818
Document Number	0000040119
Instrument Date	Jul 20, 2020
Instrument	40119
Transaction Type	Transfer
Record Updated	Aug 12, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$644.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1250 SUNNYSIDE AVE #101 CLOVIS CA 936112903, 101, CLOVIS, CA 93611-2903

November 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 15, 2019
Property Address	3400 GILBERT AVE, CAYUCOS, CA 93430-1818
Document Number	0000051206
Instrument Date	Oct 16, 2019
Instrument	51206
Transaction Type	Transfer
Record Updated	Jul 20, 2020
Title Company	PUBLIC TITLE COMPANY, PUBLIC TITLE CO

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1895 EDGESTONE CIR SAN JOSE CA 951224010, SAN JOSE, CA 95122-4010

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		$711,065 (+12.29%) Land $441,631 Building $269,434
2025	$6,684.00 (+1.95%)	$633,221 (+4.04%) Land $432,972 Building $200,249
2023	$6,556.00 (+1.74%)	$608,634 Land $416,160 Building $192,474
2022	$6,444.00

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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