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3538 Gilbert Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 3538 Gilbert Ave, Cayucos, CA 93430 · Last verified October 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,380 sqft · built 1986
Lot Size0.064 acres (2,800 sqft)
OwnerTrust Name on File
Last Sale$580,000 (Nov 2018)
Tax Bill$6,754 (2025)
Deeds & MortgagesAug 2020 Transfer
Nov 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN064-407-020

Property Details

APN / Parcel Number

Primary APN064-407-020

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Building Area1,380 sqft Living Area

Exterior

Year BuiltBuilt 1986
Construction TypeWood
Lot Area2,800 sqft (0.064 acres)
Lot Dimensions70 ft deep x 40 ft wide
TerrainOther
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address3538 GILBERT AVE
CityCAYUCOS
StateCA
Zip93430-1820
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMORRO STR U1 BL 18 LT 13
Legal SubdivisionMORRO STRAND UN #1
Legal Block18
Legal Lot Number13
JurisdictionSAN LUIS OBISPO CA
Township / Civil DivisionNORTH COAST
Census Block Group2
Census Block2023
Census Tract10504

Owner

Source: San Luis Obispo County records · APN 064-407-020

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 RecordTrust Name on File
Mailing Address3538 GILBERT AVE, CAYUCOS, CA 93430-1820
OccupancyOwner Occupied
Owner TypeIndividual
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Aug 05, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY
Nov 16, 2018Grant Deed, Transfer · Conventional Mortgage
FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 16, 2018 · Amount on Record
Deed SaleNov 16, 2018 · Amount on Record
Prior SaleNov 16, 2018 · Amount on Record
Deed Document Number0000047711
Last Transfer DateAug 05, 2020
Transfer Doc0000040289
Record UpdatedJun 08, 2026

August 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN LUIS OBISPO CA
Recording DateAug 05, 2020
Property Address3538 GILBERT AVE, CAYUCOS, CA 93430-1820
Document Number0000040289
Instrument DateJul 14, 2020
Instrument40289
Transaction TypeTransfer
Record UpdatedAug 21, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address3538 GILBERT AVE CAYUCOS CA 934301820, CAYUCOS, CA 93430-1820

November 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN LUIS OBISPO CA
Recording DateNov 16, 2018
Property Address3538 GILBERT AVE, CAYUCOS, CA 93430-1820
Document Number0000047711
Map ReferenceMB3 PG105
Instrument DateOct 23, 2018
Instrument2018047711
Transaction TypeTransfer
Record UpdatedAug 09, 2021
Title CompanyFIDELITY NATIONAL TITLE CO

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
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address3538 GILBERT AVE, CAYUCOS, CA 93430-1820

Mortgage

Document Number0000047712
DateNov 16, 2018
Instrument2018047712
Lender
NameFINANCE OF AMERICA MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2048

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$6,754.00 (+1.99%) Homeowner's exemption$646,996 (+4.04%) Land $390,429 Building $256,567
2023$6,622.00 (+1.75%) Homeowner's exemption$621,874 Land $375,269 Building $246,605
2022$6,508.00

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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