78 Saint Mary Ave, Cayucos, CA 93430 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,449 sqft · built 1953
Lot Size	0.114 acres (5,000 sqft)
Owner	Trust Name on Record
Last Sale	$925,000 (May 2017)
Tax Bill	$11,824 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`064-125-038`

Property Details

APN / Parcel Number

Primary APN	`064-125-038`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,449 sqft Living Area

Exterior

Year Built	Built 1953
Construction Type	Wood
Lot Area	5,000 sqft (0.114 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	78 SAINT MARY AVE
City	CAYUCOS
State	CA
Zip	93430-1124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	MORRO RK VW 3 BL 2 LTS 47 & 48
Legal Subdivision	MORRO ROCK VIEW 08
Legal Block	2
Legal Lot Number	47,48 48
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1031
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	Trust Name on Record
Mailing Address	32446 ROAD 144, VISALIA, CA 93292-9315
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage COUNTRY CLUB MORTGAGE INC
Jul 30, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
May 25, 2017	Grant Deed, Transfer · Conventional Mortgage RESOURCE LENDERS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2017 · Amount on Record
Deed Sale	May 25, 2017 · Amount on Record
Prior Sale	Jul 29, 2020
Deed Document Number	0000022736
Last Transfer Date	Jul 30, 2020
Transfer Doc	0000039172
Record Updated	Jun 7, 2026

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 29, 2020
Property Address	78 SAINT MARY AVE, CAYUCOS, CA 93430-1124
Document Number	0000039019
Map Reference	MB 3 PG 101
Instrument Date	Jul 27, 2020
Instrument	2020039019
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE 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	Joint Tenants
Address	32446 ROAD 144, VISALIA, CA 93292-9315

Mortgage

Document Number	0000039020
Date	Jul 29, 2020
Instrument	2020039020

Lender

Name	COUNTRY CLUB MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 30, 2020
Property Address	78 SAINT MARY AVE, CAYUCOS, CA 93430-1124
Document Number	0000039172
Instrument Date	Jul 27, 2020
Instrument	39172
Transaction Type	Transfer
Record Updated	Aug 12, 2020
Title Company	NOT AVAILABLE

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	32446 ROAD 144 VISALIA CA 932929315, VISALIA, CA 93292-9315

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 25, 2017
Property Address	78 SAINT MARY AVE, CAYUCOS, CA 93430-1124
Document Number	0000022736
Map Reference	MAP3 PG101
Instrument Date	Apr 20, 2017
Instrument	2017022736
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	32446 ROAD 144, VISALIA, CA 93292-9315

Mortgage

Document Number	0000022737
Date	May 25, 2017
Instrument	2017022737

Lender

Name	RESOURCE LENDERS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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	$11,824.00 (+7.27%)	$1,130,738 (+9.58%) Land $783,393 Building $347,345
2023	$11,023.00 (+1.72%)	$1,031,853 Land $752,974 Building $278,879
2022	$10,837.00

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	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	MORRO ROCK MUTUAL WATER CO private · serves 2,181 people · EPA ID CA4010015
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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