78 Pacific Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 78 Pacific Ave, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	6 bd · 5.5 ba · 4,925 sqft · built 1966
Lot Size	0.129 acres (5,634 sqft)
Owner	Owner Name on Record
Tax Bill	$15,326 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`064-121-024`

Property Details

APN / Parcel Number

Primary APN	`064-121-024`

Interior

Bedrooms	6 Beds
Full Baths	5.5 Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	4,925 sqft

Exterior

Year Built	Built 1966
Construction Type	Wood Frame
Lot Area	5,634 sqft (0.129 acres)
Terrain	Other

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	78 PACIFIC AVE
City	CAYUCOS
State	CA
Zip	93430-1644
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	PR BCH 1 BL 1 LT 8
Legal Subdivision	PASO ROBLES BEACH 00
Legal Block	1
Legal Lot Number	8
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1024
Census Tract	10504

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	Owner Name on Record
Mailing Address	PO BOX 131, CAYUCOS, CA 93430-0131
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage KIRK LIVING TRUST (RT)
Feb 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage HOWARD BECKER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 1997
Deed Sale	Oct 16, 1997
Prior Sale	Jul 9, 2002
Deed Document Number	0000057798
Deed Book / Page	064
Last Transfer Date	Nov 7, 2002
Transfer Doc	0000096843
Record Updated	Jun 8, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	78 PACIFIC AVE, CAYUCOS, CA 93430-1644
Document Number	0000036316
Instrument Date	Aug 7, 2019
Transaction Type	Mortgage
Record Updated	Sep 10, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	PO BOX 131 CAYUCOS CA 934300131, CAYUCOS, CA 93430-0131

Mortgage

Document Number	0000036316
Date	Aug 30, 2019
Instrument	36316

Lender

Name	KIRK LIVING TRUST (RT)
Address	PO BOX 5155, SAN LUIS OBISPO, CA 93403-5155

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	78 PACIFIC AVE, CAYUCOS, CA 93430-1644
Document Number	0000004744
Instrument Date	Feb 1, 2018
Transaction Type	Mortgage
Record Updated	Feb 15, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	PO BOX 131 CAYUCOS CA 934300131, CAYUCOS, CA 93430-0131

Mortgage

Document Number	0000004744
Date	Feb 6, 2018
Instrument	4744

Lender

Name	HOWARD BECKER

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	$15,326.00 (+1.91%) Homeowner's exemption	$1,476,692 (+4.04%) Land $766,418 Building $710,274
2023	$15,039.00 (+1.72%) Homeowner's exemption	$1,419,353 Land $736,658 Building $682,695
2022	$14,785.00

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
Nearest Special Flood Hazard Area	Zone VE, within 100 ft
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	Moderate above 63% of the US · lower than 61% of California
Wildfire Likelihood	0.2% 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 380 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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