396 D St, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 396 D St, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,945 sqft · built 2008
Lot Size	0.425 acres (18,500 sqft)
Owner	2 Individual Names on File
Last Sale	$80,500 (Aug 2001)
Tax Bill	$6,138 (2025)
Deeds & Mortgages	Oct 2025 Second Mortgage Apr 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`064-034-032`

Property Details

APN / Parcel Number

Primary APN	`064-034-032`
Alternative APN	`064034011`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,945 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Construction Type	Wood
Lot Area	18,500 sqft (0.425 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Old Parcel Number	064034011
Street Address	396 D ST
City	CAYUCOS
State	CA
Zip	93430-1154
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF
Legal Description	TN CAYUCOS BL 4 LTS 7 & 8 & PTN ABD RD
Legal Subdivision	CAYUCOS
Legal Block	4
Legal Lot Number	7,8
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1012
Census Tract	10504

Owner

396 D St is owned and occupied by two individuals who acquired it in May 2009.

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

Owner of Record	2 Individual Names on File
Mailing Address	396 D ST, CAYUCOS, CA 93430-1154
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 15, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Apr 7, 2023	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Jun 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Oct 29, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Mar 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage JOHN BROPHY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2001 · Amount on File
Deed Sale	Aug 17, 2001 · Amount on File
Deed Document Number	200161904
Last Transfer Date	May 22, 2009
Transfer Doc	0000028017
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	396 D ST, CAYUCOS, CA 93430-1154
Transaction Type	Mortgage
Record Updated	Nov 3, 2025
Title Company	UNKNOWN, ROCKET CLOSE LLC RESIDENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	396 D ST, CAYUCOS, CA 93430-1154

Mortgage

Document Number	0000031437
Date	Oct 15, 2025
Instrument	2025031437

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 12, 2055

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	396 D ST, CAYUCOS, CA 93430-1154
Transaction Type	Mortgage
Record Updated	Apr 18, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	396 D ST, CAYUCOS, CA 93430-1154

Mortgage

Document Number	0000009583
Date	Apr 7, 2023
Instrument	2023009583

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 4, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.79%
Type Change Date	Apr 1, 2028
Change Frequency	Annually
Min Rate At Change	4.79%
Max Rate At Change	8.79%
Index	1-Year T-Bill
Max Rate	8.79%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	396 D ST, CAYUCOS, CA 93430-1154
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	396 D ST, CAYUCOS, CA 93430-1154

Mortgage

Document Number	0000043472
Date	Jun 17, 2021
Instrument	2021043472

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	396 D ST, CAYUCOS, CA 93430-1154
Document Number	0000046533
Instrument Date	Oct 29, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	896 D ST CAYUCOS CA 93430, CAYUCOS, CA 93430

Mortgage

Document Number	0000046533
Date	Nov 7, 2018
Instrument	46533

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 6, 2048

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	396 D ST, CAYUCOS, CA 93430-1154
Document Number	0000009990
Instrument Date	Mar 3, 2018
Transaction Type	Mortgage
Record Updated	Mar 22, 2018
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	396 D ST CAYUCOS CA 934301154, CAYUCOS, CA 93430-1154

Mortgage

Document Number	0000009990
Date	Mar 14, 2018
Instrument	9990

Lender

Name	JOHN BROPHY
Address	10600 MENAUL BLVD NE, ALBUQUERQUE, NM 87112-2412

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Mar 13, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 396 D St was $6,138.

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		$592,000 (+2%) Land $257,063 Building $334,937
2025	$6,138.00	$580,393 Land $252,023 Building $328,370
2023	$6,020.00 (+1.74%)	$557,858 Land $242,238 Building $315,620
2022	$5,917.00

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

Flood

FEMA maps place 396 D St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 21 individual policies
Nearby Flood Policies	33 units insured incl. 12 condo units
Nearby Flood Claims	7 (1998–2023)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Oct 2023
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 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 396 D St 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 50% of California
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	MORRO ROCK MUTUAL WATER CO private · serves 2,181 people · EPA ID CA4010015
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 380 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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