497 Pacific Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 497 Pacific Ave, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,055 sqft · built 2013
Lot Size	0.128 acres (5,595 sqft)
Owner	Company Name on Record
Tax Bill	$6,337 (2025)
Deeds & Mortgages	Apr 2024 Transfer Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`064-143-009`

Property Details

APN / Parcel Number

Primary APN	`064-143-009`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,055 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Construction Type	Wood
Lot Area	5,595 sqft (0.128 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	497 PACIFIC AVE
City	CAYUCOS
State	CA
Zip	93430-1633
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	PR BCH 1 BL 7 LT 9
Legal Subdivision	PASO ROBLES BEACH 01
Legal Block	7
Legal Lot Number	9
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3030
Census Tract	10504

Owner

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	Company Name on Record
Mailing Address	497 PACIFIC AVE, CAYUCOS, CA 93430-1633
Owner Type	Company
Vesting	Limited Partnership

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2024	Intrafamily Transfer, Transfer
Oct 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Sep 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage GOLDEN 1 CU
Jun 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage GOLDEN 1 CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 29, 2008
Transfer Doc	0000062411
Record Updated	Sep 20, 2026

April 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 26, 2024
Property Address	497 PACIFIC AVE, CAYUCOS, CA 93430-1633
Document Number	0000011033
Map Reference	MB 3 PG 15
Instrument Date	Jan 22, 2024
Instrument	2024011033
Transaction Type	Transfer
Record Updated	May 9, 2024

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
Address	497 PACIFIC AVE, CAYUCOS, CA 93430-1633

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	497 PACIFIC AVE, CAYUCOS, CA 93430-1633
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	497 PACIFIC AVE, CAYUCOS, CA 93430-1633

Mortgage

Document Number	0000062411
Date	Oct 30, 2020
Instrument	2020062411

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	497 PACIFIC AVE, CAYUCOS, CA 93430-1633
Document Number	0000039527
Instrument Date	Sep 10, 2019
Transaction Type	Mortgage
Record Updated	Oct 1, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	497 PACIFIC AVE CAYUCOS CA 934301633, CAYUCOS, CA 93430-1633

Mortgage

Document Number	0000039527
Date	Sep 19, 2019
Instrument	39527

Lender

Name	GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 2049

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	497 PACIFIC AVE, CAYUCOS, CA 93430-1633
Document Number	0000025289
Instrument Date	Jun 11, 2018
Transaction Type	Mortgage
Record Updated	Jun 27, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	497 PACIFIC AVE CAYUCOS CA 934301633, CAYUCOS, CA 93430-1633

Mortgage

Document Number	0000025289
Date	Jun 20, 2018
Instrument	25289

Lender

Name	GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 19, 2048

Tax Assessment & Valuation

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		$597,897 (+2%) Land $31,482 Building $566,415
2025	$6,337.00 (+3.29%)	$586,174 (+4.04%) Land $30,865 Building $555,309
2023	$6,135.00 (+1.81%) Homeowner's exemption	$563,414 Land $29,667 Building $533,747
2022	$6,026.00

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	7 (1993–2016)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Dec 2016 · other causes

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 Risk	Moderate above 53% of the US · lower than 68% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach

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	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

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 540 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

May also be available: T-Mobile.

Nearby Properties on Pacific Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures