50 20th St, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 50 20th St, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,228 sqft · built 1953
Lot Size	0.138 acres (6,000 sqft)
Owner	Company Name on Record
Tax Bill	$3,589 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`064-234-016`

Property Details

APN / Parcel Number

Primary APN	`064-234-016`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,228 sqft Living Area
1st Floor Area	1,228 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Construction Type	Wood
Lot Area	6,000 sqft (0.138 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	50 20TH ST
City	CAYUCOS
State	CA
Zip	93430-1406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	PR BCH 3 BL 13 LT 1 & 2
Legal Subdivision	PASO ROBLES BEACH 03
Legal Block	13
Legal Lot Number	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3027
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	50 20TH ST, CAYUCOS, CA 93430-1406
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 30, 2015
Transfer Doc	0000061288
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	50 20TH ST, CAYUCOS, CA 93430-1406
Transaction Type	Mortgage
Record Updated	Mar 10, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 20TH ST, CAYUCOS, CA 93430-1406

Mortgage

Document Number	0000014364
Date	Feb 24, 2021
Instrument	2021014364

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

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

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		$347,483 (+2%) Land $220,599 Building $126,884
2025	$3,589.00 (+2.13%) Homeowner's exemption	$340,671 (+4.04%) Land $216,274 Building $124,397
2023	$3,514.00 (+1.8%) Homeowner's exemption	$327,444 Land $207,877 Building $119,567
2022	$3,452.00

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
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 55% of the US · lower than 67% 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 369 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000