502 Pacific Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 502 Pacific Ave, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 5,157 sqft · built 2020
Lot Size	0.234 acres (10,200 sqft)
Owner	2 Company Names on Record
Last Sale	$7,500,000 (Jul 2026)
Tax Bill	$29,989 (2025)
Deeds & Mortgages	Jul 2026 Sale May 2020 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`064-148-011`

Property Details

APN / Parcel Number

Primary APN	`064-148-011`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	3 Stories
Building Area	5,157 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Wood
Lot Area	10,200 sqft (0.234 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	502 PACIFIC AVE
City	CAYUCOS
State	CA
Zip	93430-1630
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	PR BCH 1 BL 5 LT 12
Legal Subdivision	PASO ROBLES BEACH 01
Legal Block	5
Legal Lot Number	12
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3010
Census Tract	10504

Owner

Source: San Luis Obispo County records, as of August 10, 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	24166 ROAD 400, MADERA, CA 93636-8121
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Grant Deed, Transfer FIDELITY NATIONAL TITLE
May 6, 2020	Deed of Trust, Mortgage · Construction Mortgage SAN LUIS FINANCIAL INC
Mar 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage AXOS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2026 · Amount on Record
Deed Sale	Jul 31, 2026 · Amount on Record
Prior Sale	Oct 10, 1995 · Amount on Record
Deed Document Number	202624556
Prior Transfer Date	Sep 4, 1998
Prior Transfer Doc	0000058304
Record Updated	Sep 20, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 31, 2026
Property Address	502 PACIFIC AVE, CAYUCOS, CA 93430-1630
Document Number	0000024556
Instrument Date	Jun 29, 2026
Instrument	202624556
Transaction Type	Transfer
Record Updated	Aug 10, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$833,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	24166 ROAD 400, MADERA, CA 93636-8121

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	502 PACIFIC AVE, CAYUCOS, CA 93430-1630
Transaction Type	Mortgage
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022084
Date	May 6, 2020
Instrument	2020022084

Lender

Name	SAN LUIS FINANCIAL INC
Type	Mortgage Company
Address	SAN LUIS OBISPO, CA 93401

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	502 PACIFIC AVE, CAYUCOS, CA 93430-1630
Transaction Type	Mortgage
Record Updated	Aug 9, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	502 PACIFIC AVE, CAYUCOS, CA 93430-1630

Mortgage

Document Number	0000024349
Date	Mar 31, 2021
Instrument	2021024349

Lender

Name	AXOS BANK
Type	Bank
Address	SAN DIEGO, CA 92122

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Apr 1, 2026
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	10.2%
Index	1-Year LIBOR
Max Rate	10.2%

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		$2,946,617 (+2%) Land $1,097,283 Building $1,849,334
2025	$29,989.00 (+1.87%)	$2,888,841 (+4.04%) Land $1,075,768 Building $1,813,073
2023	$29,439.00 (+1.7%)	$2,776,666 Land $1,033,996 Building $1,742,670
2022	$28,948.00

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

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 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.

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