San Luis Obispo County property record for 3526 Gilbert Ave, Cayucos, CA 93430
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,710 sqft · built 1975 |
| Lot Size | 0.069 acres (3,049 sqft) |
| Owner | Company Name on File |
| Last Sale | $505,000 (Nov 2018) |
| Tax Bill | $5,889 (2025) |
| Deeds & Mortgages | Oct 2023 Transfer Mar 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 064-407-008 |
| Primary APN | 064-407-008 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,710 sqft Living Area |
| Year Built | Built 1975 |
|---|---|
| Construction Type | Wood |
| Lot Area | 3,049 sqft (0.069 acres) |
| Terrain | Other |
| Street Address | 3526 GILBERT AVE |
|---|---|
| City | CAYUCOS |
| State | CA |
| Zip | 93430-1820 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 10 |
| Legal Description | MORRO STR 1 BL 18 LT 12 |
| Legal Subdivision | MORRO STRAND |
| Legal Tract | 1 |
| Legal Block | 18 |
| Legal Lot Number | 12 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 10504 |
Source: San Luis Obispo County records · APN 064-407-008
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 Record | Company Name on File |
|---|---|
| Co-owner | 2 Verified Secondary Owners |
| Mailing Address | 3526 GILBERT AVE, CAYUCOS, CA 93430-1820 |
| Occupancy | Owner Occupied |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Oct 10, 2023 | Intrafamily Transfer, Transfer |
| Mar 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Mar 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Jun 24, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Nov 07, 2018 | Grant Deed, Transfer · Conventional Mortgage CALIBER HM LOANS |
| Deed Names | 3 Verified Names on Deed |
|---|---|
| Last Sale | Nov 07, 2018 · Amount on Record |
| Deed Sale | Nov 07, 2018 · Amount on Record |
| Prior Sale | Nov 07, 2018 · Amount on Record |
| Deed Document Number | 0000046467 |
| Last Transfer Date | Oct 10, 2023 |
| Transfer Doc | 0000029714 |
| Record Updated | Jun 08, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Oct 10, 2023 |
| Property Address | 3526 GILBERT AVE, CAYUCOS, CA 93430-1820 |
| Document Number | 0000029714 |
| Map Reference | MB 3 PG 105 |
| Instrument Date | Aug 24, 2023 |
| Instrument | 2023029714 |
| Transaction Type | Transfer |
| Record Updated | Oct 19, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 3526 GILBERT AVE, CAYUCOS, CA 93430-1820 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 3526 GILBERT AVE, CAYUCOS, CA 93430-1820 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2021 |
| Title Company | TITLE CONNECTION, TITLE CONNECT INC |
| Name | Verified Name |
|---|---|
| Address | 3526 GILBERT AVE, CAYUCOS, CA 93430-1820 |
| Document Number | 0000020333 |
|---|---|
| Date | Mar 17, 2021 |
| Instrument | 2021020333 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 3526 GILBERT AVE, CAYUCOS, CA 93430-1820 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000014622 |
|---|---|
| Date | Mar 25, 2020 |
| Instrument | 2020014622 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 01, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 3526 GILBERT AVE, CAYUCOS, CA 93430-1820 |
| Document Number | 0000025124 |
| Instrument Date | Jun 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 09, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3526 GILBERT AVE CAYUCOS CA 934301820, CAYUCOS, CA 93430-1820 |
| Document Number | 0000025124 |
|---|---|
| Date | Jun 28, 2019 |
| Instrument | 25124 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 27, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Nov 07, 2018 |
| Property Address | 3526 GILBERT AVE, CAYUCOS, CA 93430-1820 |
| Document Number | 0000046467 |
| Instrument Date | Oct 24, 2018 |
| Instrument | 46467 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $555.50 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3526 GILBERT AVE CAYUCOS CA 934301820, CAYUCOS, CA 93430-1820 |
| Document Number | 46468 |
|---|---|
| Date | Nov 07, 2018 |
| Instrument | 46468 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 06, 2048 |
Source: San Luis Obispo County records · Assessment roll updated July 1, 2025 · Last verified October 2025
| 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) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $5,889.00 (+2.01%) Homeowner's exemption | $563,333 (+4.04%) Land $362,541 Building $200,792 |
| 2023 | $5,773.00 (+0.45%) Homeowner's exemption | $541,460 Land $348,464 Building $192,996 |
| 2022 | $5,747.00 |
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
| 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 |
|
| Wildfire Risk | High above 79% of the US · above 56% of California |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max 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.
5G and 4G LTE (outdoors only)
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SLOCSA #10A - CAYUCOS serves 1,200 people |
|---|---|
| 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 |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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