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3417 Gilbert Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 3417 Gilbert Ave, Cayucos, CA 93430

Property Summary

Property TypeSingle Family Home
Details5 bd · 5 ba · 3,628 sqft · built 1981
Lot Size0.119 acres (5,227 sqft)
OwnerIndividual Name on File
Last Sale$622,500 (Feb 2010)
Tax Bill$11,843 (2025)
Deeds & MortgagesOct 2020 Mortgage
Oct 2020 Transfer
Flood ZoneZone X (minimal risk)
APN064-405-040

Property Details

APN / Parcel Number

Primary APN064-405-040

Interior

Bedrooms5 Beds
Full Baths5 Baths
Total Rooms10 Rooms
Building Area3,628 sqft Living Area

Exterior

Year BuiltBuilt 1981
Construction TypeWood
Lot Area5,227 sqft (0.119 acres)
TerrainOther
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address3417 GILBERT AVE
CityCAYUCOS
StateCA
Zip93430-1817
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRSF
Legal DescriptionMORRO STRAND U1 BL 21 LTS 1 TO 3
Legal SubdivisionMORRO STRAND 01
Legal Block21
Legal Lot Number1 2
JurisdictionSAN LUIS OBISPO CA
Township / Civil DivisionNORTH COAST
Census Block Group2
Census Block2013
Census Tract10504

Owner

Source: San Luis Obispo County records · APN 064-405-040

Assessment roll updated July 1, 2025 · Last verified October 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address3417 GILBERT AVE, CAYUCOS, CA 93430-1817
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 06, 2020Intrafamily Transfer, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Oct 06, 2020Quit Claim Deed, Transfer
FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 03, 2010 · Amount on Record
Deed SaleFeb 03, 2010 · Amount on Record
Prior SaleOct 06, 2020
Deed Document Number0000005357
Record UpdatedJun 08, 2026

October 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN LUIS OBISPO CA
Recording DateOct 06, 2020
Property Address3417 GILBERT AVE, CAYUCOS, CA 93430-1817
Document Number0000055630
Map ReferenceMB 3 PG 105
Instrument DateOct 01, 2020
Instrument2020055630
Transaction TypeTransfer
Record UpdatedAug 09, 2021
Title CompanyFIRST AMERICAN TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address3417 GILBERT AVE, CAYUCOS, CA 93430-1817
InvestorPossibly a Property Investor

Mortgage

Document Number0000055631
DateOct 06, 2020
Instrument2020055631
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueOct 01, 2035

October 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN LUIS OBISPO CA
Recording DateOct 06, 2020
Property Address3417 GILBERT AVE, CAYUCOS, CA 93430-1817
Document Number0000055632
Instrument DateOct 01, 2020
Instrument55632
Transaction TypeTransfer
Record UpdatedOct 19, 2020
Title CompanyFIRST AMERICAN TITLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address3417 GILBERT AVE CAYUCOS CA 934301817, CAYUCOS, CA 93430-1817

Tax Assessment & Valuation

Source: San Luis Obispo County records · Assessment roll updated July 1, 2025 · Last verified October 2025

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

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

YearTax BillAssessed Value
2025$11,843.00 (+1.91%)$1,132,556 (+4.04%) Land $419,509 Building $713,047
2023$11,621.00 (+1.71%)$1,088,579 Land $403,220 Building $685,359
2022$11,426.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 22, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire RiskHigh
above 79% of the US · above 56% of California
Wildfire Likelihood0.5% annual chance
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Ranch WiFi.

Based on FCC filings for 355 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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