3528 Shearer Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 3528 Shearer Ave, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,043 sqft · built 1972
Lot Size	0.056 acres (2,450 sqft)
Owner	Company Name on File
Last Sale	$455,000 (Jul 2013)
Tax Bill	$5,904 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jun 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`064-434-017`

Property Details

APN / Parcel Number

Primary APN	`064-434-017`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,043 sqft Living Area
1st Floor Area	1,043 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Construction Type	Wood
Lot Area	2,450 sqft (0.056 acres)
Terrain	Below Road/Slope
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3528 SHEARER AVE
City	CAYUCOS
State	CA
Zip	93430-1837
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	MORRO STR 1 BL 12 LT 12
Legal Subdivision	MORRO STRAND 01
Legal Tract	1
Legal Block	12
Legal Lot Number	12
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2020
Census Tract	10504

Owner

3528 Shearer Ave is owned by a company that acquired it in April 2018.

Source: San Luis Obispo County records, as of August 6, 2026

Owner of Record	Company Name on File
Mailing Address	21924 FARGO AVE, LEMOORE, CA 93245-9630
Owner Type	Company
Vesting	Borrower in Default

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANSNAP INC
Jun 12, 2018	Affidavit of Death, Transfer ATTORNEY ONLY
Jul 5, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2013 · Amount on File
Deed Sale	Jul 3, 2013 · Amount on File
Prior Sale	Jul 13, 2012 · Amount on File
Deed Document Number	201338677
Last Transfer Date	Apr 26, 2018
Transfer Doc	0000027536
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	3528 SHEARER AVE, CAYUCOS, CA 93430-1837
Document Number	0000074818
Instrument Date	Aug 21, 2020
Transaction Type	Mortgage
Record Updated	Dec 30, 2020
Title Company	SPRUCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	21924 FARGO AVE LEMOORE CA 932459630, LEMOORE, CA 93245-9630

Mortgage

Document Number	0000074818
Date	Dec 17, 2020
Instrument	74818

Lender

Name	LOANSNAP INC
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 16, 2050

June 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 12, 2018
Property Address	3528 SHEARER AVE, CAYUCOS, CA 93430-1837
Document Number	0000024068
Instrument Date	Apr 26, 2018
Instrument	24068
Transaction Type	Transfer
Record Updated	Jun 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21924 FARGO AVE LEMOORE CA 932459630, LEMOORE, CA 93245-9630

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 5, 2018
Property Address	3528 SHEARER AVE, CAYUCOS, CA 93430-1837
Document Number	0000027536
Instrument Date	Apr 26, 2018
Instrument	27536
Transaction Type	Transfer
Record Updated	Jul 12, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	21924 FARGO AVE LEMOORE CA 932459630, LEMOORE, CA 93245-9630

Tax Assessment & Valuation

The 2025 property tax bill for 3528 Shearer Ave was $5,904.

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		$568,911 (+2%) Land $406,366 Building $162,545
2025	$5,904.00	$557,757 Land $398,399 Building $159,358
2023	$5,790.00 (+1.72%)	$536,101 Land $382,930 Building $153,171
2022	$5,692.00

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

Flood

FEMA maps place 3528 Shearer Ave in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1983.

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 File 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

Wildfire risk around 3528 Shearer Ave is high, ranking above 74% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 74% of the US · above 49% of California
Wildfire Likelihood	0.4% 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.

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