1040 Suffolk St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 1040 Suffolk St, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,155 sqft · built 1989
Lot Size	0.152 acres (6,621 sqft)
Owner	2 Company Names on Record
Last Sale	$920,000 (Jun 2019)
Tax Bill	$11,167 (2025)
Deeds & Mortgages	May 2026 Sale Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`022-212-019`

Property Details

APN / Parcel Number

Primary APN	`022-212-019`
Alternative APN	`022211070`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	3 Stories
Building Area	2,155 sqft Living Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Construction Type	Wood
Lot Area	6,621 sqft (0.152 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1040 SUFFOLK ST
City	CAMBRIA
State	CA
Zip	93428-2512
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES U4 BL 34 LTS 29 TO 31
Legal Subdivision	CAMBRIA PINES UN 4
Legal Block	34
Legal Lot Number	29
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1009
Census Tract	10404

Owner

Source: San Luis Obispo County records, as of August 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	378 LOCH LOMOND RD, RANCHO MIRAGE, CA 92270-5606
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Oct 29, 2019	Deed of Trust, Mortgage OCMBC INC
Jun 28, 2019	Grant Deed, Transfer CROSS FAMILY TRUST (PT)
Jan 18, 2017	Grant Deed, Transfer PLACER TITLE COMPANY, PLACER TITLE CO.

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2019 · Amount on Record
Deed Sale	Jun 28, 2019 · Amount on Record
Prior Sale	Jan 18, 2017 · Amount on Record
Deed Document Number	201925071
Prior Transfer Date	Nov 28, 2008
Prior Transfer Doc	0000063290
Record Updated	Oct 29, 2026

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 29, 2026
Property Address	1040 SUFFOLK ST, CAMBRIA, CA 93428-2512
Document Number	0000016885
Instrument Date	Mar 17, 2026
Instrument	202616885
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	378 LOCH LOMOND RD, RANCHO MIRAGE, CA 92270-5606

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1040 SUFFOLK ST, CAMBRIA, CA 93428-2512
Document Number	0000048795
Instrument Date	Oct 29, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	STEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	378 LOCH LOMOND RD RANCHO MIRAGE CA 922705606, RANCHO MIRAGE, CA 92270-5606

Mortgage

Document Number	0000048795
Date	Nov 1, 2019
Instrument	48795

Lender

Name	OCMBC INC
Address	IRVINE, CA 92612

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2049

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 28, 2019
Property Address	1040 SUFFOLK ST, CAMBRIA, CA 93428-2512
Document Number	0000025071
Instrument Date	Jun 14, 2019
Instrument	25071
Transaction Type	Transfer
Record Updated	Jul 9, 2019
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,012.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1040 SUFFOLK ST CAMBRIA CA 934282512, CAMBRIA, CA 93428-2512

Mortgage

Document Number	25072
Date	Jun 28, 2019
Instrument	25072

Lender

Name	CROSS FAMILY TRUST (PT)
Address	32651 CASPIAN SEA DR, DANA POINT, CA 92629-3543

Agreement

Amount	Amount Recorded

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 18, 2017
Property Address	1040 SUFFOLK ST, CAMBRIA, CA 93428-2512
Document Number	0000002544
Instrument Date	Jan 6, 2017
Instrument	2544
Transaction Type	Transfer
Record Updated	Jan 30, 2017
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount Recorded
Tax	$586.85
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	32651 CASPIAN SEA DR DANA POINT CA 926293543, DANA POINT, CA 92629-3543

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
Unified School District	Coast Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,046,797 (+2%) Land $512,020 Building $534,777
2025	$11,167.00 (+4.03%)	$1,026,273 (+4.04%) Land $501,981 Building $524,292
2023	$10,734.00 (+1.99%)	$986,424 Land $482,490 Building $503,934
2022	$10,525.00

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 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	21 (1986–2026)
Claims Outside the SFHA	4 of 21
Most Recent Claim	Jan 2026 · rainfall accumulation
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 3 claims Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 8 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
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 304 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

May also be available: Astound Broadband.

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