San Luis Obispo County property record for 1095 Main St, Cambria, CA 93428
| Property Type | Residential |
|---|---|
| Details | 3 bd · 2.5 ba · 2,498 sqft · built 1980 |
| Lot Size | 0.46 acres (20,037 sqft) |
| Owner | Company Name on Record |
| Last Sale | $250,000 (Nov 1995) |
| Tax Bill | $4,983 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 013-101-074 |
| Primary APN | 013-101-074 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 2,498 sqft Gross Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Construction Type | Wood |
| Fire Resistance | Wood or Wood & Steel Frame |
| Lot Area | 20,037 sqft (0.46 acres) |
| Terrain | Steep |
| Sewer | Connected |
|---|
| Street Address | 1095 MAIN ST |
|---|---|
| City | CAMBRIA |
| State | CA |
| Zip | 93428-2821 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Other |
| Local Zoning Code | CR |
| Legal Description | PM 11/14 PAR 4 |
| Legal Subdivision | PARCEL MAP CO-72-362 |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1047 |
| Census Tract | 10404 |
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 | 1095 MAIN ST, CAMBRIA, CA 93428-2821 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 1, 1995 · Amount on Record |
| Deed Sale | Nov 1, 1995 · Amount on Record |
| Deed Document Number | 199550911 |
| Last Transfer Date | Jul 7, 2005 |
| Transfer Doc | 0000057272 |
| Record Updated | Sep 20, 2026 |
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Unified School District | Coast Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $455,515 (+2%) Land $254,151 Building $201,364 | |
| 2025 | $4,983.00 (+4.2%) Homeowner's exemption | $446,584 (+4.04%) Land $249,168 Building $197,416 |
| 2023 | $4,782.00 (+2.05%) Homeowner's exemption | $429,245 Land $239,494 Building $189,751 |
| 2022 | $4,686.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 AE, within 500 ft |
| 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · lower than 72% of California |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 165 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 |
May also be available: Astound Broadband, AT&T, Ranch Wifi, T-Mobile, Verizon.
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