540 Chaney Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 540 Chaney Ave, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,096 sqft · built 1986
Lot Size	0.112 acres (4,900 sqft)
Owner	Company Name on Record
Last Sale	$854,500 (Sep 2019)
Tax Bill	$9,175 (2025)
Deeds & Mortgages	Nov 2025 Transfer Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`064-404-008`

Property Details

APN / Parcel Number

Primary APN	`064-404-008`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,096 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Construction Type	Wood
Lot Area	4,900 sqft (0.112 acres)
Terrain	Steep
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air
Sewer	Connected

Location & Zoning

Street Address	540 CHANEY AVE
City	CAYUCOS
State	CA
Zip	93430-1816
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	MORRO STR 1 BL 11 LTS 30 & 31
Legal Subdivision	MORRO STRAND 01
Legal Tract	1
Legal Block	11
Legal Lot Number	30,31 31
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2024
Census Tract	10504

Owner

Source: San Luis Obispo County records, as of December 3, 2025

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
Co-owner	2 Co-owners on Record
Mailing Address	540 CHANEY AVE, CAYUCOS, CA 93430-1816
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2025	Intrafamily Transfer, Transfer
Sep 5, 2019	Grant Deed, Transfer · Conventional Mortgage GWIAZDA JOSHUA LIVING TR (LT)

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Sep 5, 2019 · Amount on Record
Deed Sale	Sep 5, 2019 · Amount on Record
Prior Sale	Sep 5, 2019 · Amount on Record
Deed Document Number	0000037314
Last Transfer Date	Nov 13, 2025
Transfer Doc	0000035160
Record Updated	Jun 8, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 13, 2025
Property Address	540 CHANEY AVE, CAYUCOS, CA 93430-1816
Document Number	0000035160
Map Reference	MB 3 PG 105
Instrument Date	Nov 13, 2025
Instrument	2025035160
Transaction Type	Transfer
Record Updated	Dec 4, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	540 CHANEY AVE, CAYUCOS, CA 93430-1816

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 5, 2019
Property Address	540 CHANEY AVE, CAYUCOS, CA 93430-1816
Document Number	0000037314
Instrument Date	Sep 4, 2019
Instrument	37314
Transaction Type	Transfer
Record Updated	Sep 18, 2019
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$939.95
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 45 MASONVILLE CO 805410045, MASONVILLE, CO 80541-0045

Mortgage

Document Number	37315
Date	Sep 5, 2019
Instrument	37315

Lender

Name	GWIAZDA JOSHUA LIVING TR (LT)
Address	1640 OLD CREEK RD, CAYUCOS, CA 93430-1558

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of July 1, 2025

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
2025	$9,175.00 (+1.92%)	$874,366 (+4.04%) Land $503,075 Building $371,291
2023	$9,002.00 (+1.72%)	$840,415 Land $483,541 Building $356,874
2022	$8,850.00

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 20 policies
Nearby Flood Policies	20 in force
Nearby Flood Claims	10 (1983–2016)
Claims Outside the SFHA	6 of 10
Most Recent Claim	Jan 2016 · other causes
Claims by Event	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

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	High above 74% of the US · above 49% of California
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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	SLOCSA #10A - CAYUCOS serves 1,200 people · EPA ID CA4010901
Water Source	Purchased surface water from SLO CSA NO. 10 - CAYUCOS WTP
Last State Inspection	Oct 2024
Lead	1 ppb (2024–2026) 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 355 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Ranch Wifi.

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