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Single Family ResidenceResidential
$2,222,419$1,350 / 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 92How 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
Last sold for $1,690,000 on Dec 29, 2020

45 20TH ST

CAYUCOS, CA 93430
2
Beds
2.5
Baths
1,646 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.
3,750 ft²
Lot SizeThe size of the land the home sits on, from county records.
1956
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$2.2M
$2M low$2.4M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$1,690,000 · Dec 29, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$19,042 (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.$1,865,894 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$1,435,304
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$430,590
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,829,309

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.39
88
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.
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.0.09
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.None
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(9)

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

45 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 more than 96% of homes in San Luis Obispo County
  • Among the highest price per square foot in San Luis Obispo County
  • Has a smaller lot than 84% of homes in San Luis Obispo County
  • Older than 87% 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 79% 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$2,222,419
CheaperTypical $1,438,006Pricier

Pricier than 79% of homes nearby

Price per ft²$1350
CheaperTypical $974Pricier

Pricier than 82% of homes nearby

Living area1,646 ft²
SmallerTypical 1,569 ft²Bigger

Bigger than 55% of homes nearby

Lot size3,750 ft²
SmallerTypical 4,008 ft²Bigger

Bigger than 44% of homes nearby

Year built1956
OlderTypical 1976Newer

Newer than 24% of homes nearby

How 45 20th St ranks against every home in each area.
MeasureThis homeCayucos 93430San Luis Obispo County
Estimated valuepricier than$2,222,41979% of homes96% of homes
Price per ft²pricier than$135082% of homesalmost all homes
Living areabigger than1,646 ft²55% of homes49% of homes
Lot sizebigger than3,750 ft²44% of homes16% of homes
Year builtnewer than195624% of homes13% of homes

About 45 20th St

How much is 45 20th St, Cayucos, CA worth?

The TopHap Estimate for 45 20th St, Cayucos, CA is $2,222,419 as of Oct 21, 2026. The likely range is $2,039,271 to $2,405,567. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 45 20th St, Cayucos, CA last sell?

45 20th St, Cayucos, CA last sold on Dec 29, 2020 for $1,690,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 45 20th St, Cayucos, CA?

45 20th St, Cayucos, CA has 2 bedrooms, 2.5 bathrooms, 1,646 square feet of living space and a 0.09-acre lot.

When was 45 20th St, Cayucos, CA built?

45 20th St, Cayucos, CA was built in 1956, making it 70 years old. The building has 2 stories.

What schools serve 45 20th St, Cayucos, CA?

45 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 45 20th St, Cayucos, CA compare to other homes in Cayucos 93430?

Among the 2,375 homes in Cayucos 93430, it is worth more than 79% of them ($2,222,419 against a typical $1,438,006), its price per square foot is higher than 82% of them ($1350 against a typical $974), it is bigger than 55% of them (1,646 ft² against a typical 1,569 ft²), its lot is bigger than 44% of them (3,750 ft² against a typical 4,008 ft²) and it is newer than 24% of them (1956 against a typical 1976). Measured against all of San Luis Obispo County, it is worth more than 96% 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 45 20th St, Cayucos, CA?

The 2025 property tax bill for 45 20th St, Cayucos, CA was $19,042. The county assessed it at $1,865,894.

More homes on 20th St

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