51 8th St, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 51 8th St, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,160 sqft · built 1948
Lot Size	0.115 acres (5,000 sqft)
Owner	Company Name on Record
Last Sale	$1,650,000 (Aug 2020)
Tax Bill	$18,594 (2025)
Deeds & Mortgages	Jan 2023 Transfer Sep 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`064-146-009`

Property Details

APN / Parcel Number

Primary APN	`064-146-009`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,934 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Wood
Lot Area	5,000 sqft (0.115 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	51 8TH ST
City	CAYUCOS
State	CA
Zip	93430-1217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	PR BCH 1 BL 10 LT 10
Legal Subdivision	PASO ROBLES BEACH 00
Legal Block	10
Legal Lot Number	10
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3024
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	1519 HOPKINS AVE, REDWOOD CITY, CA 94062-1625
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2023	Intrafamily Transfer, Transfer
Sep 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Aug 21, 2020	Grant Deed, Transfer · Conventional Mortgage MUFG UNION BANK NA
Aug 21, 2020	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Jan 4, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2020 · Amount on Record
Deed Sale	Aug 21, 2020 · Amount on Record
Prior Sale	Apr 25, 2008 · Amount on Record
Deed Document Number	202044553
Last Transfer Date	Jan 27, 2023
Transfer Doc	0000002669
Record Updated	Oct 29, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 30, 2023
Property Address	51 8TH ST, CAYUCOS, CA 93430-1217
Document Number	0000002669
Map Reference	MB 3 PG 15
Instrument Date	Jan 27, 2023
Instrument	2023002669
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Family Trust
Address	1519 HOPKINS AVE, REDWOOD CITY, CA 94062-1625

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	51 8TH ST, CAYUCOS, CA 93430-1217
Transaction Type	Mortgage
Record Updated	Oct 8, 2021
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1519 HOPKINS AVE, REDWOOD CITY, CA 94062-1625

Mortgage

Document Number	0000066283
Date	Sep 30, 2021
Instrument	2021066283

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Oct 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	5%
Index	Other
Max Rate	9%

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 21, 2020
Property Address	51 8TH ST, CAYUCOS, CA 93430-1217
Document Number	0000044553
Map Reference	MB 3 PG 15
Instrument Date	Aug 10, 2020
Instrument	2020044553
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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	Community Property
Address	1519 HOPKINS AVE, REDWOOD CITY, CA 94062-1625
Investor	Possibly a Property Investor

Mortgage

Document Number	0000044554
Date	Aug 21, 2020
Instrument	2020044554

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

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

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 21, 2020
Property Address	51 8TH ST, CAYUCOS, CA 93430-1217
Document Number	0000044552
Instrument Date	Aug 10, 2020
Instrument	44552
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	PO BOX 706 CAYUCOS CA 934300706, CAYUCOS, CA 93430-0706

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 4, 2019
Property Address	51 8TH ST, CAYUCOS, CA 93430-1217
Document Number	0000000504
Instrument Date	Jan 4, 2019
Instrument	504
Transaction Type	Transfer
Record Updated	Jan 16, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 2849 PASO ROBLES CA 934472849, PASO ROBLES, CA 93447-2849

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		$1,821,729 (+2%) Land $1,324,895 Building $496,834
2025	$18,594.00 (+1.88%)	$1,786,010 (+4.04%) Land $1,298,917 Building $487,093
2023	$18,251.00 (+1.7%)	$1,716,660 Land $1,248,480 Building $468,180
2022	$17,946.00

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 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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