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520 Chaney Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 520 Chaney Ave, Cayucos, CA 93430 · Last verified October 2025

Property Summary

Property TypeSingle Family Home
Details2 bd · 3 ba · 2,131 sqft · built 2005
Lot Size0.045 acres (1,975 sqft)
OwnerCompany Name on File
Last Sale$1,995,000 (Oct 2023)
Tax Bill$21,166 (2025)
Deeds & MortgagesOct 2023 Sale
Mar 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN064-404-010

Property Details

APN / Parcel Number

Primary APN064-404-010

Interior

Bedrooms2 Beds
Full Baths3 Baths
Total Rooms5 Rooms
Stories3 Stories
Building Area2,131 sqft Living Area

Exterior

Year BuiltBuilt 2005
Construction TypeWood
Lot Area1,975 sqft (0.045 acres)
TerrainSteep
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemForced Air

Location & Zoning

Street Address520 CHANEY AVE
CityCAYUCOS
StateCA
Zip93430-1816
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMORRO STR 1 BL 11 LT 28
Legal SubdivisionMORRO STRAND
Legal Tract1
Legal Block11
Legal Lot Number28
JurisdictionSAN LUIS OBISPO CA
Township / Civil DivisionNORTH COAST
Census Block Group2
Census Block2024
Census Tract10504

Owner

Source: San Luis Obispo County records · APN 064-404-010

Assessment roll updated July 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing Address1903 MINERAL CT, BAKERSFIELD, CA 93308-6812
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Oct 13, 2023Grant Deed, Transfer
FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Mar 04, 2022Grant Deed, Transfer · Conventional Mortgage
WELLS FARGO BANK NA

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 13, 2023 · Amount on Record
Deed SaleOct 13, 2023 · Amount on Record
Prior SaleMar 04, 2022 · Amount on Record
Deed Document Number2023030089
Record UpdatedJun 08, 2026

October 2023: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN LUIS OBISPO CA
Recording DateOct 13, 2023
Property Address520 CHANEY AVE, CAYUCOS, CA 93430-1816
Document Number0000030089
Map ReferenceMB 3 PG 105
Instrument DateOct 09, 2023
Instrument2023030089
Transaction TypeTransfer
Record UpdatedOct 24, 2023
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1903 MINERAL CT, BAKERSFIELD, CA 93308-6812
InvestorPossibly a Property Investor

March 2022: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN LUIS OBISPO CA
Recording DateMar 04, 2022
Property Address520 CHANEY AVE, CAYUCOS, CA 93430-1816
Document Number0000009851
Map ReferenceMB 3 PG 105
Instrument DateFeb 24, 2022
Instrument2022009851
Transaction TypeTransfer
Record UpdatedJun 07, 2023
Title CompanyPLACER TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address10976 ALTO CT, OAK VIEW, CA 93022-9533

Mortgage

Document Number0000009852
DateMar 04, 2022
Instrument2022009852
Lender
NameWELLS FARGO BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2052
Interest
Rate TypeAdjustable Rate
Rate2.5%
Type Change DateApr 01, 2032
Change Frequency6 Months
Min Rate At Change2.75%
Max Rate At Change4.5%
IndexOther
Max Rate7.5%

Tax Assessment & Valuation

Source: San Luis Obispo County records · Assessment roll updated July 1, 2025 · Last verified October 2025

Property Jurisdictions

TypeName
StateCalifornia
CountySan Luis Obispo County
Elementary School DistrictCayucos Elementary School District (KG - 08)
Secondary School DistrictCoast Unified School District (9-12) (09 - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

YearTax BillAssessed Value
2025$21,166.00 (+3%)$2,034,900 (+33%) Land $1,224,000 Building $810,900
2023$16,281.00 (+67.05%)$1,530,000 Land $816,000 Building $714,000
2022$9,746.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Luis Obispo County (06079C), updated July 22, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060790105042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 20 individual NFIP policies nearby
Nearby Flood Policies20 in force
Nearby Flood Claims10 (1983–2016)
Claims Outside the SFHA6 of 10
Most Recent ClaimJan 2016, other causes
Claims By Storm
  • Severe Winter Storms, Flooding, And Debris And Mud Flows, Dec 2010 · 2 claims
  • Severe Winter Storms And Flooding, Feb 1998 · 2 claims
  • Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 claims

Wildfire

Wildfire RiskHigh
above 74% of the US · above 50% of California
Wildfire LikelihoodAbout 1 in 229 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 355 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Ranch WiFi. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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