5 S Ocean Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 5 S Ocean Ave, Cayucos, CA 93430

Property Summary

Property Type	Residential
Details	1 bd · 3 ba · 3,705 sqft · built 2015
Lot Size	0.17 acres (7,419 sqft)
Owner	Company Name on Record
Last Sale	$2,175,000 (Jul 2021)
Tax Bill	$24,128 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`064-119-034`

Property Details

APN / Parcel Number

Primary APN	`064-119-034`
Alternative APN	`064119022`

Interior

Bedrooms	1 Bed
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,705 sqft Gross Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	7,419 sqft (0.17 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	110 E ST
City	CAYUCOS
State	CA
Zip	93430
Property Category	Residential
Property Type	Residential > Specialized > Other
Local Zoning Code	CR
Legal Description	PM 73/17-20 PAR 1
Legal Subdivision	PARCEL MAP CO 06-0274
Legal Block	1
Legal Lot Number	59
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1027
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	9839 WISH AVE, NORTHRIDGE, CA 91325-1951
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2022	Deed of Trust, Mortgage · Commercial Mortgage BANK OF AMERICA NA
Aug 3, 2021	Deed of Trust, Mortgage · Commercial Mortgage CDC SMALL BUSINESS FINANCE CORP
Jul 26, 2021	Grant Deed, Transfer · Line of Credit COMMERCIAL BANK OF CA
May 20, 2021	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2021 · Amount on Record
Deed Sale	Jul 26, 2021 · Amount on Record
Prior Sale	May 2, 2014
Deed Document Number	202152758
Prior Transfer Date	Apr 28, 2014
Prior Transfer Doc	0000017124
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	5 S OCEAN AVE, CAYUCOS, CA 93430
Transaction Type	Mortgage
Record Updated	Aug 30, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9838 WISH AVE, NORTHRIDGE, CA 91325-1952

Mortgage

Document Number	0000033343
Date	Aug 17, 2022
Instrument	2022033343

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	5 S OCEAN AVE, CAYUCOS, CA 93430
Transaction Type	Mortgage
Record Updated	Aug 11, 2021
Title Company	TICOR TITLE NLS, TICOR TITLE NCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 S OCEAN AVE, CAYUCOS, CA 93430

Mortgage

Document Number	0000054360
Date	Aug 3, 2021
Instrument	2021054360

Lender

Name	CDC SMALL BUSINESS FINANCE CORP
Type	Lending Institution
Address	SAN DIEGO, CA 92106

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 26, 2021
Property Address	5 S OCEAN AVE, CAYUCOS, CA 93430
Document Number	0000052758
Map Reference	MB 73 PG 17-20
Instrument Date	Jun 30, 2021
Instrument	2021052758
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	9839 WISH AVE, NORTHRIDGE, CA 91325-1951

Mortgage

Document Number	0000052759
Date	Jul 26, 2021
Instrument	2021052759

Lender

Name	COMMERCIAL BANK OF CA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Mortgage

Document Number	0000052763
Date	Jul 26, 2021
Instrument	2021052763

Lender

Name	COMMERCIAL BANK OF CA
Type	Bank
Address	ANAHEIM, CA 92806

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 20, 2021
Property Address	5 S OCEAN AVE, CAYUCOS, CA 93430
Document Number	0000037495
Map Reference	MB 73 PG 17-20
Instrument Date	May 14, 2021
Instrument	2021037495
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 7687, VISALIA, CA 93290-7687

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		$2,354,287 (+2%) Land $757,701 Building $1,596,586
2025	$24,128.00 (+1.9%)	$2,308,126 (+4.04%) Land $742,845 Building $1,565,281
2023	$23,678.00 (+1.71%)	$2,218,500 Land $714,000 Building $1,504,500
2022	$23,280.00

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 63% of the US · lower than 61% of California
Wildfire Likelihood	0.2% 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	MORRO ROCK MUTUAL WATER CO private · serves 2,181 people · EPA ID CA4010015
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 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.

Nearby Properties on S Ocean Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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