441 D St, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 441 D St, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,836 sqft · built 1980
Lot Size	0.138 acres (6,000 sqft)
Owner	Company Name on File
Last Sale	$375,000 (Sep 2000)
Tax Bill	$1,549 (2025)
Deeds & Mortgages	Sep 2018 Transfer Jun 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`064-037-033`

Property Details

APN / Parcel Number

Primary APN	`064-037-033`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,836 sqft Living Area
1st Floor Area	1,836 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Wood
Lot Area	6,000 sqft (0.138 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	441 D ST
City	CAYUCOS
State	CA
Zip	93430-1151
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF
Legal Description	TN CAY PM 26/20 PAR G
Legal Block	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1013
Census Tract	10504

Owner

441 D St is owned by a company that acquired it in September 2018.

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
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
Sep 21, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 14, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
May 2, 2018	Deed of Trust, Mortgage ARNOLD A E & C T F/TR (PT)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2000 · Amount on File
Deed Sale	Sep 8, 2000 · Amount on File
Prior Sale	May 13, 1997 · Amount on File
Deed Document Number	200051271
Last Transfer Date	Sep 19, 2018
Transfer Doc	0000039246
Record Updated	Oct 29, 2026

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 21, 2018
Property Address	441 D ST, CAYUCOS, CA 93430-1151
Document Number	0000039246
Instrument Date	Sep 19, 2018
Instrument	39246
Transaction Type	Transfer
Record Updated	Oct 2, 2018
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	3232 S HIGUERA ST #101A SAN LUIS OBISPO CA 934012015, 101A, SAN LUIS OBISPO, CA 93401-2015

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 14, 2018
Property Address	441 D ST, CAYUCOS, CA 93430-1151
Document Number	0000024447
Instrument Date	Jun 8, 2018
Instrument	24447
Transaction Type	Transfer
Record Updated	Jun 21, 2018
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

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	441 D ST, CAYUCOS, CA 93430-1151
Document Number	0000018789
Instrument Date	May 2, 2018
Transaction Type	Mortgage
Record Updated	May 22, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	444 D ST CAYUCOS CA 93430, CAYUCOS, CA 93430

Mortgage

Document Number	0000018789
Date	May 9, 2018
Instrument	18789

Lender

Name	ARNOLD A E & C T F/TR (PT)
Address	777 N OCEAN AVE, CAYUCOS, CA 93430-1026

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 441 D St was $1,549.

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		$138,986 (+2%) Land $23,983 Building $115,003
2025	$1,549.00	$136,262 Land $23,513 Building $112,749
2023	$1,514.00 (+1.88%)	$130,972 Land $22,600 Building $108,372
2022	$1,486.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 441 D St in Zone X, an area of minimal flood risk, within 500 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 500 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 441 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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