440 D St, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 440 D St, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	2 ba · 768 sqft · built 1930
Lot Size	0.221 acres (9,644 sqft)
Owner	Company Name on File
Tax Bill	$927 (2025)
Deeds & Mortgages	Feb 2021 Transfer Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`064-035-015`

Property Details

APN / Parcel Number

Primary APN	`064-035-015`

Interior

Full Baths	2 Baths
Building Area	768 sqft Living Area

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Construction Type	Wood
Lot Area	9,644 sqft (0.221 acres)

Location & Zoning

Street Address	440 D ST
City	CAYUCOS
State	CA
Zip	93430-1152
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	40
Legal Description	TN CAY BL 5 LT 4&PTN LT 3
Legal Subdivision	CAYUCOS
Legal Block	5
Legal Lot Number	4,3
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1012
Census Tract	10504

Owner

440 D St is owned by a company that acquired it in February 2021 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	440 D ST, CAYUCOS, CA 93430-1152
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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
Feb 16, 2021	Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Feb 11, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage SESLOC FCU
Mar 28, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage SESLOC FCU
Mar 29, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 6, 2021
Transfer Doc	0000012050
Record Updated	Oct 29, 2026

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 16, 2021
Property Address	440 D ST, CAYUCOS, CA 93430-1152
Document Number	0000012050
Map Reference	MB A PG 26
Instrument Date	Feb 6, 2021
Instrument	2021012050
Transaction Type	Transfer
Record Updated	May 30, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	440 D ST, CAYUCOS, CA 93430-1152

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 11, 2021
Property Address	440 D ST, CAYUCOS, CA 93430-1152
Document Number	0000011254
Map Reference	MB A PG 26
Instrument Date	Feb 3, 2021
Instrument	2021011254
Transaction Type	Transfer
Record Updated	May 30, 2023
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	440 D ST, CAYUCOS, CA 93430-1152

Mortgage

Document Number	0000011256
Date	Feb 11, 2021
Instrument	2021011256

Lender

Name	SESLOC FCU
Type	Credit Union
Address	SAN LUIS OBISPO, CA 93401

Agreement

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

March 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 28, 2018
Property Address	440 D ST, CAYUCOS, CA 93430-1152
Document Number	0000012123
Map Reference	MB A PG26
Instrument Date	Mar 5, 2018
Instrument	2018012123
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	440 D ST, CAYUCOS, CA 93430-1152

Mortgage

Document Number	0000012125
Date	Mar 28, 2018
Instrument	2018012125

Lender

Name	SESLOC FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 29, 2018
Property Address	440 D ST, CAYUCOS, CA 93430-1152
Document Number	0000012297
Instrument Date	Mar 5, 2018
Instrument	12297
Transaction Type	Transfer
Record Updated	Apr 6, 2018

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	440 D ST CAYUCOS CA 934301152, CAYUCOS, CA 93430-1152

Tax Assessment & Valuation

The 2025 property tax bill for 440 D St was $927 with a homeowner's exemption.

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		$84,743 (+2%) Land $27,563 Building $57,180
2025	$927.00 Homeowner's exemption	$83,082 Land $27,023 Building $56,059
2023	$901.00 (+2.15%) Homeowner's exemption	$79,858 Land $25,975 Building $53,883
2022	$882.00

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

Flood

FEMA maps place 440 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 440 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	SLO CSA NO. 10 - CAYUCOS WTP serves 0 people · EPA ID CA4010025
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	5 ppb (2018–2020) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

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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