1022 Kenneth Dr, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 1022 Kenneth Dr, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,346 sqft · built 1950
Lot Size	0.402 acres (17,500 sqft)
Owner	Company Name on File
Tax Bill	$5,414 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Feb 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`023-033-018`

Property Details

APN / Parcel Number

Primary APN	`023-033-018`
Alternative APN	`023033015`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,346 sqft Living Area
1st Floor Area	1,346 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Tar & Gravel
Lot Area	17,500 sqft (0.402 acres)
Lot Dimensions	175 ft deep x 100 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	1022 KENNETH DR
City	CAMBRIA
State	CA
Zip	93428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES EST U 1 LT 60
Legal Subdivision	CAMBRIA PINES ESTAT
Legal Block	2
Legal Lot Number	60
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2070
Census Tract	10403

Owner

1022 Kenneth Dr is owned by a company that acquired it in September 2002 and is owner-occupied.

Source: San Luis Obispo County records, as of August 6, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 99, CAMBRIA, CA 93428-0099
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD
Feb 14, 2017	Deed of Trust, Mortgage · Line of Credit HERITAGE OAKS BANK
Oct 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD
Jan 31, 2017	Affidavit of Death, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 5, 2002
Transfer Doc	0000074597
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1022 KENNETH DR, CAMBRIA, CA 93428
Transaction Type	Mortgage
Record Updated	Sep 3, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1022 KENNETH DR, CAMBRIA, CA 93428

Mortgage

Document Number	0000059224
Date	Aug 26, 2021
Instrument	2021059224

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1022 KENNETH DR, CAMBRIA, CA 93428
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006760
Date	Feb 14, 2017
Instrument	2017006760

Lender

Name	HERITAGE OAKS BANK
Type	Bank
Address	CAMBRIA, CA 93428

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1022 KENNETH DR, CAMBRIA, CA 93428
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1022 KENNETH DR, CAMBRIA, CA 93428

Mortgage

Document Number	0000059074
Date	Oct 21, 2020
Instrument	2020059074

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2035

January 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 31, 2017
Property Address	1022 KENNETH DR, CAMBRIA, CA 93428
Document Number	0000004914
Instrument Date	Jan 24, 2017
Instrument	4914
Transaction Type	Transfer
Record Updated	Feb 17, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 99 CAMBRIA CA 934280099, CAMBRIA, CA 93428-0099

Tax Assessment & Valuation

The 2025 property tax bill for 1022 Kenneth Dr was $5,414 with a homeowner's exemption.

Source: San Luis Obispo County assessment roll, as of August 6, 2026

Property Jurisdictions

Type	Name
State	California
County	San Luis Obispo County
Unified School District	Coast Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$497,276 (+2%) Land $315,616 Building $181,660
2025	$5,414.00 Homeowner's exemption	$487,527 Land $309,428 Building $178,099
2023	$5,196.00 (+2.02%) Homeowner's exemption	$468,597 Land $297,413 Building $171,184
2022	$5,093.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 1022 Kenneth Dr in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1995.

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 File median of 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	8 (1995–2021)
Claims Outside the SFHA	6 of 8
Most Recent Claim	Jan 2021 · tidal / storm surge
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 2 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

Wildfire risk around 1022 Kenneth Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 79% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CAMBRIA COMM SERVICES DIST serves 6,038 people · EPA ID CA4010014
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jul 2022
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 609 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Astound Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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