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410 Chaney Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 410 Chaney Ave, Cayucos, CA 93430

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,976 sqft · built 2004
Lot Size0.064 acres (2,800 sqft)
OwnerIndividual Name on Record
Tax Bill$5,570 (2025)
Deeds & MortgagesOct 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN064-435-011

Property Details

APN / Parcel Number

Primary APN064-435-011

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories2 Stories
Building Area1,976 sqft Living Area

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Construction TypeWood
Lot Area2,800 sqft (0.064 acres)
TerrainSteep
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemForced Air with A/C
SewerConnected

Location & Zoning

Street Address410 CHANEY AVE
CityCAYUCOS
StateCA
Zip93430-1836
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRSF
Legal DescriptionMORRO STR 1 BL 11 LT 17
Legal SubdivisionMORRO STRAND 01
Legal Tract1
Legal Block11
Legal Lot Number17
JurisdictionSAN LUIS OBISPO CA
Township / Civil DivisionNORTH COAST
Census Block Group2
Census Block2024
Census Tract10504

Owner

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

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

Owner of RecordIndividual Name on Record
Mailing Address410 CHANEY AVE, CAYUCOS, CA 93430-1836
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last Transfer DateDec 29, 2006
Transfer Doc0000000173
Record UpdatedSep 20, 2026

October 2019: Reverse Mortgage, Mortgage

Document TypeReverse Mortgage
JurisdictionSAN LUIS OBISPO CA
Recording DateOct 24, 2019
Property Address410 CHANEY AVE, CAYUCOS, CA 93430-1836
Instrument DateOct 17, 2019
Instrument46986
Transaction TypeMortgage
Record UpdatedNov 8, 2019
Title CompanyWFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address410 CHANEY AVE CAYUCOS CA 934301836, CAYUCOS, CA 93430-1836

Mortgage

Document Number0000046986
DateOct 24, 2019
Instrument46986
Lender
NameLONGBRIDGE FIN'L
Address1 INTERNATIONAL BLVD # 900, MAHWAH, NJ 07495-0027
Agreement
AmountAmount Recorded
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

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

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

YearTax BillAssessed Value
2026$535,984 (+2%) Land $86,706 Building $449,278
2025$5,570.00 (+1.96%)$525,475 (+4.04%) Land $85,006 Building $440,469
2023$5,463.00 (+1.75%)$505,072 Land $81,706 Building $423,366
2022$5,369.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 20 policies
Nearby Flood Policies20 in force
Nearby Flood Claims10 (1983–2016)
Claims Outside the SFHA6 of 10
Most Recent ClaimJan 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 RiskHigh
above 74% of the US · above 49% of California
Wildfire Likelihood0.4% annual chance
ExposureDirect
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 SystemSLOCSA #10A - CAYUCOS
serves 1,200 people · EPA ID CA4010901
Water SourcePurchased surface water from SLO CSA NO. 10 - CAYUCOS WTP
Last State InspectionOct 2024
Lead1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Starlink
Satellite		280 / 30

May also be available: Ranch Wifi.

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