San Luis Obispo County property record for 51 20th St, Cayucos, CA 93430
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,092 sqft · built 1953 |
| Lot Size | 0.057 acres (2,500 sqft) |
| Owner | Company Name on File |
| Last Sale | $75,500 (Nov 2007) |
| Tax Bill | $10,940 (2025) |
| Deeds & Mortgages | Sep 2020 Transfer Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 064-233-025 |
| Primary APN | 064-233-025 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,092 sqft Living Area |
| 1st Floor Area | 1,092 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Construction Type | Wood |
| Lot Area | 2,500 sqft (0.057 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 51 20TH ST |
|---|---|
| City | CAYUCOS |
| State | CA |
| Zip | 93430-1405 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | PR BCH 3 BL 12 LT 21 |
| Legal Subdivision | PASO ROBLES BEACH 03 |
| Legal Block | 12 |
| Legal Lot Number | 21 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 10504 |
51 20th St is owned by a company that bought it in November 2007.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 51 20TH ST, CAYUCOS, CA 93430-1405 |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 23, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Sep 23, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage OPTIMUM FIRST INC |
| Oct 30, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 30, 2007 · Amount on File |
| Deed Sale | Nov 30, 2007 · Amount on File |
| Deed Document Number | 200777539 |
| Prior Transfer Date | Sep 6, 1996 |
| Prior Transfer Doc | 0000046214 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Sep 23, 2020 |
| Property Address | 51 20TH ST, CAYUCOS, CA 93430-1405 |
| Document Number | 0000052313 |
| Instrument Date | Sep 16, 2020 |
| Instrument | 52313 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 51 20TH ST CAYUCOS CA 934301405, CAYUCOS, CA 93430-1405 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Sep 23, 2020 |
| Property Address | 51 20TH ST, CAYUCOS, CA 93430-1405 |
| Document Number | 0000052311 |
| Map Reference | MB 3 PG 115 |
| Instrument Date | Sep 16, 2020 |
| Instrument | 2020052311 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | WFG TITLE COMPANY OF CA |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 51 20TH ST, CAYUCOS, CA 93430-1405 |
| Document Number | 0000052312 |
|---|---|
| Date | Sep 23, 2020 |
| Instrument | 2020052312 |
| Name | OPTIMUM FIRST INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 51 20TH ST, CAYUCOS, CA 93430-1405 |
| Document Number | 0000053129 |
| Instrument Date | Oct 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 51 20TH ST CAYUCOS CA 934301405, CAYUCOS, CA 93430-1405 |
| Document Number | 0000053129 |
|---|---|
| Date | Nov 17, 2017 |
| Instrument | 53129 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | TAMPA, FL 33634 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 51 20th St was $10,940, up 0.8% from the year before.
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 | $1,073,245 (+2%) Land $836,341 Building $236,904 | |
| 2025 | $10,940.00 (+0.82%) Homeowner's exemption | $1,052,202 Land $819,943 Building $232,259 |
| 2024 | $10,851.00 (+1.11%) | |
| 2023 | $10,732.00 (+1.73%) Homeowner's exemption | $1,011,345 Land $788,104 Building $223,241 |
| 2022 | $10,550.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 51 20th St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1993.
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 File 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 risk around 51 20th St is moderate, ranking above 55% of the US, with a 0.1% annual chance of 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.
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 369 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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