1451 Emerson Rd, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 1451 Emerson Rd, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 555 sqft · built 1989
Lot Size	0.045 acres (1,978 sqft)
Owner	2 Individual Names on Record
Last Sale	$589,000 (Dec 2023)
Tax Bill	$4,031 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Aug 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`023-222-015`

Property Details

APN / Parcel Number

Primary APN	`023-222-015`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	1 Room
Stories	1 Story
Building Area	555 sqft Living Area
1st Floor Area	555 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Construction Type	Wood
Lot Area	1,978 sqft (0.045 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	1451 EMERSON RD
City	CAMBRIA
State	CA
Zip	93428-4713
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES M U 2 BL 20 LT 35
Legal Subdivision	CAMBRIA PINES MANOR
Legal Block	20
Legal Lot Number	35
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2056
Census Tract	10403

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	1451 EMERSON RD, CAMBRIA, CA 93428-4713
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2023	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 25, 2022	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2023 · Amount on Record
Deed Sale	Dec 12, 2023 · Amount on Record
Deed Document Number	202336871
Prior Transfer Date	Aug 11, 2022
Prior Transfer Doc	0000034404
Record Updated	Sep 20, 2026

December 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 12, 2023
Property Address	1451 EMERSON RD, CAMBRIA, CA 93428-4713
Document Number	0000036871
Map Reference	MB 5 PG 10
Instrument Date	Oct 17, 2023
Instrument	2023036871
Transaction Type	Transfer
Record Updated	Dec 21, 2023
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	711 W SHAW AVE STE 112, 112, CLOVIS, CA 93612-3214

Mortgage

Document Number	0000036872
Date	Dec 12, 2023
Instrument	2023036872

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

August 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 25, 2022
Property Address	1451 EMERSON RD, CAMBRIA, CA 93428-4713
Document Number	0000034404
Map Reference	MB 5 PG 10
Instrument Date	Aug 11, 2022
Instrument	2022034404
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	199 CAPE ELIZABETH WAY, RIVERSIDE, CA 92506-6178

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		$363,411 (+2%) Land $189,045 Building $174,366
2025	$4,031.00 (-35.45%) Homeowner's exemption	$356,287 (-36.49%) Land $185,339 Building $170,948
2023	$6,245.00 (+191.14%)	$561,000 Land $408,000 Building $153,000
2022	$2,145.00

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 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

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

Wildfire Risk	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 63 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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