635 Cayucos Ave, Templeton, CA 93465 Property Records

San Luis Obispo County property record for 635 Cayucos Ave, Templeton, CA 93465

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,176 sqft · built 1978
Lot Size	0.161 acres (7,000 sqft)
Owner	Company Name on File
Last Sale	$113,000 (Oct 1997)
Tax Bill	$2,163 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`041-066-016`

Property Details

APN / Parcel Number

Primary APN	`041-066-016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
1st Floor Area	1,176 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	635 CAYUCOS AVE
City	TEMPLETON
State	CA
Zip	93465-5027
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TN TEMP THOMP ADD BL 43 LT 3
Legal Subdivision	TN TEMP THOMP ADD
Legal Block	43
Legal Lot Number	3
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ATASCADERO
Census Block Group	5
Census Block	5023
Census Tract	13100

Owner

635 Cayucos Ave is owned by a company that acquired it in November 2006 and is owner-occupied.

Source: San Luis Obispo County records, as of August 6, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 638, TEMPLETON, CA 93465-0638
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2020	Deed of Trust, Mortgage · FHA Mortgage FINANCE OF AMERICA REVERSE
Jan 13, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 1997 · Amount on File
Deed Sale	Oct 24, 1997 · Amount on File
Prior Sale	Dec 14, 1993 · Amount on File
Deed Document Number	199760657
Last Transfer Date	Nov 28, 2006
Transfer Doc	0000057632
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	635 CAYUCOS AVE, TEMPLETON, CA 93465-5027
Document Number	0000002640
Instrument Date	Jan 13, 2020
Transaction Type	Mortgage
Record Updated	Jan 28, 2020
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	635 CAYUCOS AVE TEMPLETON CA 934655027, TEMPLETON, CA 93465-5027

Mortgage

Document Number	0000002640
Date	Jan 17, 2020
Instrument	2640

Lender

Name	FINANCE OF AMERICA REVERSE
Address	TULSA, OK 74133

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.46%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	635 CAYUCOS AVE, TEMPLETON, CA 93465-5027
Document Number	0000002641
Instrument Date	Jan 13, 2020
Transaction Type	Mortgage
Record Updated	Jan 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	635 CAYUCOS AVE TEMPLETON CA 934655027, TEMPLETON, CA 93465-5027

Mortgage

Document Number	0000002641
Date	Jan 17, 2020
Instrument	2641

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	984 Months

Interest

Rate Type	Adjustable Rate
Rate	3.46%

Tax Assessment & Valuation

The 2025 property tax bill for 635 Cayucos Ave was $2,163 with a homeowner's exemption.

Source: San Luis Obispo County assessment roll, as of August 6, 2026

Property Jurisdictions

Type	Name
State	California
County	San Luis Obispo County
Unified School District	Templeton Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$183,676 (+2%) Land $97,703 Building $85,973
2025	$2,163.00 Homeowner's exemption	$180,076 Land $95,788 Building $84,288
2023	$1,987.00 (+2%) Homeowner's exemption	$173,085 Land $92,069 Building $81,016
2022	$1,948.00

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

Flood

FEMA maps place 635 Cayucos Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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 File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2017 · Severe Winter Storms, Flooding, And Mudslides

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

Wildfire risk around 635 Cayucos Ave is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.06% 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	TEMPLETON CSD serves 8,041 people · EPA ID CA4010019
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	Under 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 485 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
Surfnet Communications Fixed Wireless	100 / 20
Ranch Wifi Fixed Wireless	100 / 20

May also be available: Astound Broadband, GeoLinks, Verizon.

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