58 12th St, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 58 12th St, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,430 sqft · built 1946
Lot Size	0.184 acres (8,000 sqft)
Owner	2 Company Names on Record
Tax Bill	$2,076 (2025)
Deeds & Mortgages	Apr 2026 Sale Jun 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`064-163-007`

Property Details

APN / Parcel Number

Primary APN	`064-163-007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,430 sqft Living Area
1st Floor Area	1,430 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Construction Type	Wood
Lot Area	8,000 sqft (0.184 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	58 12TH ST
City	CAYUCOS
State	CA
Zip	93430-1369
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	PR BCH 1 BL 21 LTS 15 & 16
Legal Subdivision	PASO ROBLES BEACH 01
Legal Block	21
Legal Lot Number	15,16
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3037
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	2 Company Names on Record
Mailing Address	58 12TH ST, CAYUCOS, CA 93430-1369
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Jun 4, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage STEARNS LENDING LLC
Jun 4, 2021	Intrafamily Transfer, Transfer WFG NATIONAL TITLE COMPANY/CA, WFG NATIONAL TITLE CO OF CA
Jun 4, 2021	Intrafamily Transfer, Transfer WFG NATIONAL TITLE COMPANY/CA, WFG NATIONAL TITLE CO OF CA
Sep 3, 2019	Quit Claim Deed, Transfer PUBLIC TITLE COMPANY, PUBLIC TITLE CO
Sep 3, 2019	Quit Claim Deed, Transfer PUBLIC TITLE COMPANY, PUBLIC TITLE CO
Sep 19, 2017	Quit Claim Deed, Transfer · Conventional Mortgage RABOBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 28, 2021
Transfer Doc	0000040779
Record Updated	Oct 29, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 16, 2026
Property Address	58 12TH ST, CAYUCOS, CA 93430-1369
Document Number	0000011640
Instrument Date	Apr 13, 2026
Instrument	202611640
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	58 12TH ST, CAYUCOS, CA 93430-1369
Investor	Possibly a Property Investor

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 4, 2021
Property Address	58 12TH ST, CAYUCOS, CA 93430-1369
Document Number	0000040781
Map Reference	MB 3 PG 15
Instrument Date	May 28, 2021
Instrument	2021040781
Transaction Type	Transfer
Record Updated	Jun 16, 2021
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

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	Tenants in Common
Address	58 12TH ST, CAYUCOS, CA 93430-1369

Mortgage

Document Number	0000040782
Date	Jun 4, 2021
Instrument	2021040782

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 4, 2021
Property Address	58 12TH ST, CAYUCOS, CA 93430-1369
Document Number	0000040779
Map Reference	MB 3 PG 15
Instrument Date	May 28, 2021
Instrument	2021040779
Transaction Type	Transfer
Record Updated	Jun 16, 2021
Title Company	WFG NATIONAL TITLE COMPANY/CA, WFG NATIONAL TITLE CO OF CA

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
Address	58 12TH ST, CAYUCOS, CA 93430-1369

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 4, 2021
Property Address	58 12TH ST, CAYUCOS, CA 93430-1369
Document Number	0000040780
Map Reference	MB 3 PG 15
Instrument Date	May 28, 2021
Instrument	2021040780
Transaction Type	Transfer
Record Updated	Jun 16, 2021
Title Company	WFG NATIONAL TITLE COMPANY/CA, WFG NATIONAL TITLE CO OF CA

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
Address	58 12TH ST, CAYUCOS, CA 93430-1369

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 3, 2019
Property Address	58 12TH ST, CAYUCOS, CA 93430-1369
Document Number	0000036620
Instrument Date	Aug 28, 2019
Instrument	36620
Transaction Type	Transfer
Record Updated	Sep 12, 2019
Title Company	PUBLIC TITLE COMPANY, PUBLIC TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	58 12TH ST CAYUCOS CA 934301369, CAYUCOS, CA 93430-1369

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 3, 2019
Property Address	58 12TH ST, CAYUCOS, CA 93430-1369
Document Number	0000036621
Instrument Date	Aug 28, 2019
Instrument	36621
Transaction Type	Transfer
Record Updated	Sep 12, 2019
Title Company	PUBLIC TITLE COMPANY, PUBLIC TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	58 12TH ST CAYUCOS CA 934301369, CAYUCOS, CA 93430-1369

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 19, 2017
Property Address	58 12TH ST, CAYUCOS, CA 93430-1369
Document Number	0000041826
Instrument Date	Aug 17, 2017
Instrument	41826
Transaction Type	Transfer
Record Updated	Oct 5, 2017
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	58 12TH ST CAYUCOS CA 934301369, CAYUCOS, CA 93430-1369

Mortgage

Document Number	41827
Date	Sep 19, 2017
Instrument	41827

Lender

Name	RABOBANK
Type	Bank
Address	ARROYO GRANDE, CA 93421-6002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 2047

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		$184,386 (+2%) Land $61,476 Building $122,910
2025	$2,076.00 (+1.12%)	$180,771 (+4.04%) Land $60,271 Building $120,500
2024	$2,053.00 (+1.53%)
2023	$2,022.00 (+2.02%) Homeowner's exemption	$173,754 Land $57,932 Building $115,822
2022	$1,982.00

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 57% of the US · lower than 65% 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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