1501 Emerson Rd, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 1501 Emerson Rd, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 690 sqft · built 1951
Lot Size	0.14 acres (6,083 sqft)
Owner	2 Individual Names on Record
Last Sale	$775,000 (Sep 2026)
Tax Bill	$7,263 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`023-222-050`

Property Details

APN / Parcel Number

Primary APN	`023-222-050`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	690 sqft Living Area
1st Floor Area	690 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Construction Type	Wood
Lot Area	6,083 sqft (0.14 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	1501 EMERSON RD
City	CAMBRIA
State	CA
Zip	93428-4773
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES M U 2 BL 20 LTS 36 TO 38 & PTN LT 39
Legal Subdivision	CAMBRIA PINES MANOR 02
Legal Block	20
Legal Lot Number	36
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 October 13, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1501 EMERSON RD, CAMBRIA, CA 93428-4773
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Grant Deed, Transfer · Conventional Mortgage KIND LENDING LLC
Feb 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage MECHANICS BANK
Jun 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage RABOBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2026 · Amount on Record
Deed Sale	Sep 24, 2026 · Amount on Record
Prior Sale	Aug 17, 2012 · Amount on Record
Deed Document Number	202630207
Prior Transfer Date	Jun 18, 2012
Prior Transfer Doc	0000046076
Record Updated	Oct 29, 2026

September 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 24, 2026
Property Address	1501 EMERSON RD, CAMBRIA, CA 93428-4773
Document Number	0000030207
Instrument Date	Sep 15, 2026
Instrument	202630207
Transaction Type	Transfer
Record Updated	Oct 8, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$86,102.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1501 EMERSON RD, CAMBRIA, CA 93428-4773

Mortgage

Document Number	0000030208,
Date	Sep 24, 2026
Instrument	202630208

Lender

Name	KIND LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1501 EMERSON RD, CAMBRIA, CA 93428-4773
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008251
Date	Feb 20, 2020
Instrument	2020008251

Lender

Name	MECHANICS BANK
Type	Bank
Address	ARROYO GRANDE, CA 93421

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Mar 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1501 EMERSON RD, CAMBRIA, CA 93428-4773
Document Number	0000023539
Instrument Date	Jun 18, 2019
Transaction Type	Mortgage
Record Updated	Jun 27, 2019
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1874 MCCOLLUM ST SAN LUIS OBISPO CA 934052042, SAN LUIS OBISPO, CA 93405-2042

Mortgage

Document Number	0000023539
Date	Jun 19, 2019
Instrument	23539

Lender

Name	RABOBANK
Type	Bank
Address	ARROYO GRANDE, CA 93421-6002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%

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		$669,061 (+2%) Land $522,709 Building $146,352
2025	$7,263.00 (+4.08%)	$655,943 (+4.04%) Land $512,460 Building $143,483
2023	$6,978.00 (+2%)	$630,473 Land $492,561 Building $137,912
2022	$6,841.00

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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