San Luis Obispo County property record for 3505 Gilbert Ave, Cayucos, CA 93430
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,000 sqft |
| Lot Size | 0.08 acres (3,500 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $3,901 (2025) |
| Deeds & Mortgages | Dec 2023 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 064-405-039 |
| Primary APN | 064-405-039 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 3 Rooms |
| Building Area | 2,000 sqft Living Area |
| Construction Type | Wood |
|---|---|
| Lot Area | 3,500 sqft (0.08 acres) |
| Street Address | 3505 GILBERT AVE |
|---|---|
| City | CAYUCOS |
| State | CA |
| Zip | 93430-1819 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | MORRO STR U 1 BL 21 LTS 8 & 9 |
| Legal Subdivision | MORRO STRAND 01 |
| Legal Block | 21 |
| Legal Lot Number | 8,9 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 10504 |
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 | 3505 GILBERT AVE, CAYUCOS, CA 93430-1819 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Oct 26, 2023 |
| Transfer Doc | 0000036399 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Dec 6, 2023 |
| Property Address | 3505 GILBERT AVE, CAYUCOS, CA 93430-1819 |
| Document Number | 0000036399 |
| Map Reference | MB 3 PG 105 |
| Instrument Date | Oct 26, 2023 |
| Instrument | 2023036399 |
| Transaction Type | Transfer |
| Record Updated | Dec 15, 2023 |
| Title Company | PLACER TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 3505 GILBERT AVE, CAYUCOS, CA 93430-1819 |
| Document Number | 0000036400 |
|---|---|
| Date | Dec 6, 2023 |
| Instrument | 2023036400 |
| Name | LONGBRIDGE FINANCIAL LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $378,327 (+2%) Land $109,505 Building $268,822 | |
| 2025 | $3,901.00 (+2.09%) Homeowner's exemption | $370,909 (+4.04%) Land $107,358 Building $263,551 |
| 2023 | $3,821.00 (+1.81%) Homeowner's exemption | $356,508 Land $103,190 Building $253,318 |
| 2022 | $3,753.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
|
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.
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.
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.
5G and 4G LTE (outdoors only)
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