San Luis Obispo County property record for 491 Lucerne Rd, Cayucos, CA 93430
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,656 sqft · built 2006 |
| Lot Size | 0.289 acres (12,595 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $3,200,000 (Nov 2015) |
| Tax Bill | $39,281 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 064-281-022 |
| Primary APN | 064-281-022 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,656 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Construction Type | Wood |
| Lot Area | 12,595 sqft (0.289 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 491 LUCERNE RD |
|---|---|
| City | CAYUCOS |
| State | CA |
| Zip | 93430-1042 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RMF |
| Legal Description | LOCARNO TR LT 4 |
| Legal Subdivision | LOCARNO |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 10504 |
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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 5122 LAKEWOOD DR, VISALIA, CA 93291-9012 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 20, 2015 · Amount on Record |
| Deed Sale | Nov 20, 2015 · Amount on Record |
| Deed Document Number | 201559104 |
| Last Transfer Date | Dec 19, 2024 |
| Transfer Doc | 0000001913 |
| Record Updated | Sep 20, 2026 |
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $3,863,908 (+2%) Land $3,018,680 Building $845,228 | |
| 2025 | $39,281.00 (+1.86%) | $3,788,146 (+4.04%) Land $2,959,491 Building $828,655 |
| 2023 | $38,562.00 (+1.69%) | $3,641,049 Land $2,844,571 Building $796,478 |
| 2022 | $37,921.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 41% of California |
|---|---|
| Wildfire Likelihood | 0.3% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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