61 N 3rd St, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 61 N 3rd St, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,543 sqft · built 1988
Lot Size	0.133 acres (5,810 sqft)
Owner	Company Name on Record
Tax Bill	$4,959 (2025)
Deeds & Mortgages	Jul 2021 Transfer Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`064-124-020`

Property Details

APN / Parcel Number

Primary APN	`064-124-020`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,543 sqft Living Area
1st Floor Area	1,543 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Wood
Lot Area	5,810 sqft (0.133 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	61 N 3RD ST
City	CAYUCOS
State	CA
Zip	93430-1205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	PR BCH 1 BL 4 LT 6
Legal Subdivision	PASO ROBLES BEACH 01
Legal Block	4
Legal Lot Number	6
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1037
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	PO BOX 15, LEMOORE, CA 93245-0015
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2021	Intrafamily Transfer, Transfer
Sep 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 7, 2019	Quit Claim Deed, Transfer PUBLIC TITLE COMPANY, PUBLIC TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 12, 2021
Transfer Doc	0000049629
Record Updated	Oct 29, 2026

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 15, 2021
Property Address	61 N 3RD ST, CAYUCOS, CA 93430-1205
Document Number	0000049629
Map Reference	MB 3 PG 15
Instrument Date	Jul 12, 2021
Instrument	2021049629
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	Revocable Trust
Address	PO BOX 15, LEMOORE, CA 93245-0015
Investor	Possibly a Property Investor

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	61 N 3RD ST, CAYUCOS, CA 93430-1205
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	61 N 3RD ST, CAYUCOS, CA 93430-1205

Mortgage

Document Number	0000052709
Date	Sep 24, 2020
Instrument	2020052709

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 7, 2019
Property Address	61 N 3RD ST, CAYUCOS, CA 93430-1205
Document Number	0000049626
Instrument Date	Oct 20, 2017
Instrument	49626
Transaction Type	Transfer
Record Updated	Nov 19, 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	Sole Owner
Address	PEST #BOX15 LEMOORE CA 93245, LEMOORE, CA 93245

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		$475,642 (+2%) Land $291,756 Building $183,886
2025	$4,959.00 (+2%)	$466,317 (+4.04%) Land $286,036 Building $180,281
2023	$4,862.00 (+1.74%)	$448,212 Land $274,930 Building $173,282
2022	$4,779.00

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 21 individual policies
Nearby Flood Policies	33 units insured incl. 12 condo units
Nearby Flood Claims	7 (1998–2023)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Oct 2023
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 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 70% of the US · above 44% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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