997 Pacific Ave, Cayucos, CA 93430 Property Records

San Luis Obispo County property record for 997 Pacific Ave, Cayucos, CA 93430

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,162 sqft · built 1953
Lot Size	0.118 acres (5,135 sqft)
Owner	Company Name on Record
Tax Bill	$3,233 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Nov 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`064-153-014`

Property Details

APN / Parcel Number

Primary APN	`064-153-014`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,162 sqft Living Area
1st Floor Area	1,162 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Construction Type	Wood
Lot Area	5,135 sqft (0.118 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	997 PACIFIC AVE
City	CAYUCOS
State	CA
Zip	93430-1623
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	PR BCH 1 BL 13 LT 18
Legal Subdivision	PASO ROBLES BEACH 01
Legal Block	13
Legal Lot Number	18
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3015
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	997 PACIFIC AVE, CAYUCOS, CA 93430-1623
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Nov 23, 2021	Intrafamily Transfer, Transfer
Aug 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 23, 2021
Transfer Doc	0000077888
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	997 PACIFIC AVE, CAYUCOS, CA 93430-1623
Transaction Type	Mortgage
Record Updated	Feb 9, 2022
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	997 PACIFIC AVE, CAYUCOS, CA 93430-1623

Mortgage

Document Number	0000004597
Date	Jan 31, 2022
Instrument	2022004597

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 23, 2021
Property Address	997 PACIFIC AVE, CAYUCOS, CA 93430-1623
Document Number	0000077888
Map Reference	MB 3 PG 15
Instrument Date	Nov 23, 2021
Instrument	2021077888
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
Address	997 PACIFIC AVE, CAYUCOS, CA 93430-1623

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	997 PACIFIC AVE, CAYUCOS, CA 93430-1623
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044534
Date	Aug 21, 2020
Instrument	2020044534

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

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

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		$305,254 (+2%) Land $220,102 Building $85,152
2025	$3,233.00 (+2.05%)	$299,270 (+4.04%) Land $215,787 Building $83,483
2023	$3,168.00 (+1.77%)	$287,651 Land $207,408 Building $80,243
2022	$3,113.00

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	7 (1993–2016)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Dec 2016 · other causes

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 57% of the US · lower than 65% of California
Wildfire Likelihood	0.1% 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 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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