3560 Gilbert Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 3560 Gilbert Ave, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,651 sqft · built 2001
Lot Size	0.064 acres (2,800 sqft)
Owner	Individual Name on Record
Last Sale	$704,000 (Aug 2017)
Tax Bill	$8,345 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Aug 2017 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`064-407-010`

Property Details

APN / Parcel Number

Primary APN	`064-407-010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,651 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Construction Type	Wood
Lot Area	2,800 sqft (0.064 acres)
Terrain	Below Road/Slope
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air
Sewer	Connected

Location & Zoning

Street Address	3560 GILBERT AVE
City	CAYUCOS
State	CA
Zip	93430-1820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	MORRO STR 1 BL 18 LT 15
Legal Subdivision	MORRO STRAND 01
Legal Tract	1
Legal Block	18
Legal Lot Number	15
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2023
Census Tract	10504

Owner

Source: San Luis Obispo County records, as of September 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	989 LOS OSOS VALLEY RD, LOS OSOS, CA 93402-3205
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage BEST CAPITAL FUNDING
Aug 18, 2017	Grant Deed, Transfer · Conventional Mortgage RESOURCE LENDERS INC
May 22, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
May 22, 2017	Affidavit of Death, Transfer ATTORNEY ONLY
May 22, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2017 · Amount on Record
Deed Sale	Aug 18, 2017 · Amount on Record
Prior Sale	May 22, 2017
Deed Document Number	2017036844
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	3560 GILBERT AVE, CAYUCOS, CA 93430-1820
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE COMPANY MORRO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3560 GILBERT AVE, CAYUCOS, CA 93430-1820

Mortgage

Document Number	0000064676
Date	Nov 9, 2020
Instrument	2020064676

Lender

Name	BEST CAPITAL FUNDING
Type	Lending Institution
Address	CHATSWORTH, CA 91311

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 18, 2017
Property Address	3560 GILBERT AVE, CAYUCOS, CA 93430-1820
Document Number	0000036844
Map Reference	MB3 PG105
Instrument Date	Aug 1, 2017
Instrument	2017036844
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	989 LOS OSOS VALLEY RD, LOS OSOS, CA 93402-3205
Mail Care Of	LOS OSOS REXALL

Mortgage

Document Number	0000036845
Date	Aug 18, 2017
Instrument	2017036845

Lender

Name	RESOURCE LENDERS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 22, 2017
Property Address	3560 GILBERT AVE, CAYUCOS, CA 93430-1820
Document Number	0000022092
Instrument Date	May 12, 2017
Instrument	22092
Transaction Type	Transfer
Record Updated	Jun 29, 2017
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	Personal Trust
Address	361 N POINSETTIA PL LOS ANGELES CA 900362506, LOS ANGELES, CA 90036-2506

May 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 22, 2017
Property Address	3560 GILBERT AVE, CAYUCOS, CA 93430-1820
Document Number	0000022090
Instrument Date	May 12, 2017
Instrument	22090
Transaction Type	Transfer
Record Updated	Jun 29, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	361 N POINSETTIA PL LOS ANGELES CA 900362506, LOS ANGELES, CA 90036-2506

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 22, 2017
Property Address	3560 GILBERT AVE, CAYUCOS, CA 93430-1820
Document Number	0000022091
Instrument Date	May 12, 2017
Instrument	22091
Transaction Type	Transfer
Record Updated	Jun 29, 2017
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	Separate Estate/Property
Address	361 N POINSETTIA PL LOS ANGELES CA 900362506, LOS ANGELES, CA 90036-2506

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of July 1, 2025

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
2025	$8,345.00 (+1.97%) Homeowner's exemption	$801,024 (+4.04%) Land $512,020 Building $289,004
2023	$8,184.00 (+1.74%) Homeowner's exemption	$769,922 Land $492,139 Building $277,783
2022	$8,044.00

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

Flood

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	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

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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