374 Pacific Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 374 Pacific Ave, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,594 sqft · built 1961
Lot Size	0.162 acres (7,061 sqft)
Owner	Company Name on Record
Last Sale	$3,100,000 (May 2018)
Tax Bill	$36,585 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Dec 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`064-148-014`

Property Details

APN / Parcel Number

Primary APN	`064-148-014`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,594 sqft Living Area
1st Floor Area	2,594 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Construction Type	Wood
Lot Area	7,061 sqft (0.162 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	374 PACIFIC AVE
City	CAYUCOS
State	CA
Zip	93430-1634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	PR BCH BL 5 LT 5 PTN LT 4
Legal Subdivision	PASO ROBLES BEACH CO SUB 01
Legal Block	5
Legal Lot Number	5,4
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3010
Census Tract	10504

Owner

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	PO BOX 1048, FRESNO, CA 93714-1048
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2021	Correction Deed · Line of Credit CITY NATIONAL BANK
Dec 24, 2019	Quit Claim Deed, Transfer PUBLIC TITLE COMPANY, PUBLIC TITLE CO
May 25, 2018	Grant Deed, Transfer · ARM COMMERCE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2018 · Amount on Record
Deed Sale	May 25, 2018 · Amount on Record
Deed Document Number	201821392
Last Transfer Date	Jun 22, 2021
Transfer Doc	0000047003
Record Updated	Oct 29, 2026

July 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 2, 2021
Property Address	374 PACIFIC AVE, CAYUCOS, CA 93430-1634
Document Number	0000047003
Map Reference	MB 3 PG 15
Instrument Date	Jun 22, 2021
Instrument	2021047003
Record Updated	Jun 7, 2023
Title Company	PLACER TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	PO BOX 1048, GARDEN CITY, ID 83714

Mortgage

Document Number	0000047004
Date	Jul 2, 2021
Instrument	2021047004

Lender

Name	CITY NATIONAL BANK
Type	Bank
Address	LOS ANGELES, CA 90071

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jun 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 24, 2019
Property Address	374 PACIFIC AVE, CAYUCOS, CA 93430-1634
Document Number	0000057986
Instrument Date	Dec 18, 2019
Instrument	57986
Transaction Type	Transfer
Record Updated	Jan 7, 2020
Title Company	PUBLIC TITLE COMPANY, PUBLIC TITLE CO

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	PO BOX 1048 FRESNO CA 937141048, FRESNO, CA 93714-1048

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 25, 2018
Property Address	374 PACIFIC AVE, CAYUCOS, CA 93430-1634
Document Number	0000021392
Map Reference	MB3 PG15
Instrument Date	Apr 20, 2018
Instrument	2018021392
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER TITLE CO

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1742 N PRATOS ST, VISALIA, CA 93291-8305

Mortgage

Document Number	0000021393
Date	May 25, 2018
Instrument	2018021393

Lender

Name	COMMERCE MORTGAGE
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Jun 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.87%
Index	1-Year LIBOR
Max Rate	8.87%

Tax Assessment & Valuation

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		$3,597,810 (+2%) Land $3,075,550 Building $522,260
2025	$36,585.00 (+1.86%)	$3,527,266 (+4.04%) Land $3,015,246 Building $512,020
2023	$35,916.00 (+1.69%)	$3,390,300 Land $2,898,161 Building $492,139
2022	$35,318.00

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
Nearest Special Flood Hazard Area	Zone VE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	7 (1993–2016)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Dec 2016 · other causes

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	Moderate above 53% of the US · lower than 68% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach

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	CAYUCOS BEACH MUTUAL WATER COMPANY serves 2,567 people · EPA ID CA4010006
Water Source	Purchased surface water from SLO CSA NO. 10 - CAYUCOS WTP
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2023–2025) 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 540 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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