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Single Family ResidenceResidential
$1,030,396$1,561 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026

40 20TH ST

CAYUCOS, CA 93430
2
Beds
1
Baths
660 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
3,000 ft²
Lot SizeThe size of the land the home sits on, from county records.
1953
Year BuiltThe year the home was originally built, according to county records.
2
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$1M
$984K low$1.1M high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,892 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$179,916 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$113,926
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$65,990
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$176,390

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.40
93
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
87
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
24
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.11 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountySAN LUIS OBISPO
Lot (acres)The size of the land the home sits on, from county records.0.07
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Cayucos Elementary SchoolA
Elementary · Grades KG–8 · 1.3 mi
H
Coast Union High SchoolC-
High · Grades 9–12 · 13.5 mi

District: Coast Unified School District

Neighborhood · ZIP 93430These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.174
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.86
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.313

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.57%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.27%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.2,883
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.46 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$87,045
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$105,584
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.23 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.75%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

40 20th St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 85% of homes in Cayucos 93430
  • Among the highest price per square foot in San Luis Obispo County
  • Among the smallest homes in San Luis Obispo County
  • Has a smaller lot than 88% of homes in San Luis Obispo County
  • Older than 88% of homes in San Luis Obispo County

What homes are worth in Cayucos 93430

Each bar is how many homes fall in that price range. The marker is this home.

This home
$761K$4.7M

This home is worth more than 15% of homes in Cayucos 93430.

How it measures up in Cayucos 93430

The dot is this home. The mark in the middle is the typical home in Cayucos 93430.

Estimated value$1,030,396
CheaperTypical $1,438,006Pricier

Pricier than 15% of homes nearby

Price per ft²$1561
CheaperTypical $974Pricier

Pricier than 89% of homes nearby

Living area660 ft²
SmallerTypical 1,569 ft²Bigger

Bigger than 4% of homes nearby

Lot size3,000 ft²
SmallerTypical 4,008 ft²Bigger

Bigger than 24% of homes nearby

Year built1953
OlderTypical 1976Newer

Newer than 22% of homes nearby

How 40 20th St ranks against every home in each area.
MeasureThis homeCayucos 93430San Luis Obispo County
Estimated valuepricier than$1,030,39615% of homes63% of homes
Price per ft²pricier than$156189% of homesalmost all homes
Living areabigger than660 ft²4% of homesalmost no homes
Lot sizebigger than3,000 ft²24% of homes12% of homes
Year builtnewer than195322% of homes12% of homes

About 40 20th St

How much is 40 20th St, Cayucos, CA worth?

The TopHap Estimate for 40 20th St, Cayucos, CA is $1,030,396 as of Oct 21, 2026. The likely range is $984,384 to $1,076,408. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 40 20th St, Cayucos, CA last sell?

40 20th St, Cayucos, CA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 40 20th St, Cayucos, CA?

40 20th St, Cayucos, CA has 2 bedrooms, 1 bathrooms, 660 square feet of living space and a 0.07-acre lot.

When was 40 20th St, Cayucos, CA built?

40 20th St, Cayucos, CA was built in 1953, making it 73 years old.

What schools serve 40 20th St, Cayucos, CA?

40 20th St, Cayucos, CA is assigned to Cayucos Elementary School (elementary), rated A; Coast Union High School (high), rated C-. All sit in Coast Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 40 20th St, Cayucos, CA compare to other homes in Cayucos 93430?

Among the 2,375 homes in Cayucos 93430, it is worth more than 15% of them ($1,030,396 against a typical $1,438,006), its price per square foot is higher than 89% of them ($1561 against a typical $974), it is bigger than 4% of them (660 ft² against a typical 1,569 ft²), its lot is bigger than 24% of them (3,000 ft² against a typical 4,008 ft²) and it is newer than 22% of them (1953 against a typical 1976). Measured against all of San Luis Obispo County, it is worth more than 63% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 40 20th St, Cayucos, CA?

The 2025 property tax bill for 40 20th St, Cayucos, CA was $1,892. The county assessed it at $179,916.

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