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3498 Gilbert Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 3498 Gilbert Ave, Cayucos, CA 93430 · Last verified October 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,465 sqft · built 1976
Lot Size0.064 acres (2,800 sqft)
OwnerIndividual Name on File
Last Sale$770,000 (Mar 2020)
Tax Bill$8,769 (2025)
Deeds & MortgagesMar 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN064-406-011

Property Details

APN / Parcel Number

Primary APN064-406-011

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms9 Rooms
Building Area1,465 sqft Living Area

Exterior

Year BuiltBuilt 1976
Construction TypeWood
Lot Area2,800 sqft (0.064 acres)
TerrainOther
Parking Spaces1 Parking Space

Location & Zoning

Street Address3498 GILBERT AVE
CityCAYUCOS
StateCA
Zip93430-1818
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMORRO STR 1 BL 19 LT 16
Legal SubdivisionMORRO STRAND 01
Legal Tract1
Legal Block19
Legal Lot Number16
JurisdictionSAN LUIS OBISPO CA
Township / Civil DivisionNORTH COAST
Census Block Group2
Census Block2015
Census Tract10504

Owner

Source: San Luis Obispo County records · APN 064-406-011

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
Mailing Address3498 GILBERT AVE, CAYUCOS, CA 93430-1818
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 18, 2020 · Amount on Record
Deed SaleMar 18, 2020 · Amount on Record
Prior SaleJul 07, 2011 · Amount on Record
Deed Document Number2020013548
Record UpdatedJun 08, 2026

March 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN LUIS OBISPO CA
Recording DateMar 18, 2020
Property Address3498 GILBERT AVE, CAYUCOS, CA 93430-1818
Document Number0000013548
Map ReferenceMB 3 PG 105
Instrument DateFeb 15, 2020
Instrument2020013548
Transaction TypeTransfer
Record UpdatedAug 09, 2021
Title CompanyPLACER TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3498 GILBERT AVE, CAYUCOS, CA 93430-1818

Mortgage

Document Number0000013549
DateMar 18, 2020
Instrument2020013549
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2050

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$8,769.00 (+1.95%) Homeowner's exemption$842,102 (+4.04%) Land $546,820 Building $295,282
2023$8,601.00 (+1.74%) Homeowner's exemption$809,405 Land $525,588 Building $283,817
2022$8,454.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Luis Obispo County (06079C), updated July 22, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060790105042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 20 individual NFIP policies nearby
Nearby Flood Policies20 in force
Nearby Flood Claims10 (1983–2016)
Claims Outside the SFHA6 of 10
Most Recent ClaimJan 2016, other causes
Claims By Storm
  • 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 57% of California
Wildfire LikelihoodAbout 1 in 189 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 355 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Ranch WiFi. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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