656 Cayucos Ave, Templeton, CA 93465 Property Records

San Luis Obispo County property record for 656 Cayucos Ave, Templeton, CA 93465

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,565 sqft · built 1980
Lot Size	0.16 acres (7,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$487,000 (Nov 2019)
Tax Bill	$6,241 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Jul 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`041-063-015`

Property Details

APN / Parcel Number

Primary APN	`041-063-015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,565 sqft Living Area

Exterior

Year Built	Built 1980
Construction Type	Wood
Lot Area	7,000 sqft (0.16 acres)
Terrain	Other
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	656 CAYUCOS AVE
City	TEMPLETON
State	CA
Zip	93465-5026
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TN TEMPLETON THOMP ADD BL 38 LT 13
Legal Subdivision	TN TEMPLETON THOMP ADD
Legal Block	38
Legal Lot Number	13
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ATASCADERO
Census Block Group	5
Census Block	5022
Census Tract	13100

Owner

Source: San Luis Obispo County records, as of September 29, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 1794, ATASCADERO, CA 93423-1794
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2024	Deed of Trust, Mortgage · FHA Mortgage KIND LENDING LLC
Jul 10, 2023	Deed of Trust, Mortgage · Line of Credit AIM CU
Jul 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Nov 22, 2019	Grant Deed, Transfer · Conventional with PMI JMAC LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2019 · Amount on Record
Deed Sale	Nov 22, 2019 · Amount on Record
Prior Sale	Jun 17, 2014
Deed Document Number	2019052667
Record Updated	Jun 7, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	656 CAYUCOS AVE, TEMPLETON, CA 93465-5026
Transaction Type	Mortgage
Record Updated	Feb 15, 2024
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 CAYUCOS AVE, TEMPLETON, CA 93465-5026

Mortgage

Document Number	0000003142
Date	Feb 6, 2024
Instrument	2024003142

Lender

Name	KIND LENDING LLC
Type	Mortgage Company
Address	SANTA ANA, CA 92707

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	656 CAYUCOS AVE, TEMPLETON, CA 93465-5026
Transaction Type	Mortgage
Record Updated	Jul 20, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 CAYUCOS AVE, TEMPLETON, CA 93465-5026

Mortgage

Document Number	0000019285
Date	Jul 10, 2023
Instrument	2023019285

Lender

Name	AIM CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	656 CAYUCOS AVE, TEMPLETON, CA 93465-5026
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032847
Date	Jul 1, 2020
Instrument	2020032847

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 22, 2019
Property Address	656 CAYUCOS AVE, TEMPLETON, CA 93465-5026
Document Number	0000052667
Instrument Date	Nov 4, 2019
Instrument	52667
Transaction Type	Transfer
Record Updated	Dec 5, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$535.70
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 1794 ATASCADERO CA 934231794, ATASCADERO, CA 93423-1794

Mortgage

Document Number	52668
Date	Nov 22, 2019
Instrument	52668

Lender

Name	JMAC LENDING
Type	Funding / Finance Company
Address	SANTA ANA, CA 92705

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 21, 2049

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
Unified School District	Templeton Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$6,241.00 (+8.99%)	$532,602 (+4.04%) Land $246,068 Building $286,534
2023	$5,726.00 (+1.98%)	$511,922 Land $236,514 Building $275,408
2022	$5,615.00

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 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

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

Wildfire Risk	Low lower than 67% of the US · lower than 81% of California
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond 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	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 278 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
T-Mobile Fixed Wireless	100 / 20

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

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