1531 Stuart St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 1531 Stuart St, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,174 sqft · built 1986
Lot Size	0.201 acres (8,750 sqft)
Owner	Individual Name on Record
Last Sale	$550,000 (Jan 2016)
Tax Bill	$7,166 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`024-272-032`

Property Details

APN / Parcel Number

Primary APN	`024-272-032`
Alternative APN	`024272030`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,174 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Construction Type	Wood
Lot Area	8,750 sqft (0.201 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	1531 STUART ST
City	CAMBRIA
State	CA
Zip	93428-5921
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES MU5 BL 110 LTS 19 TO 23
Legal Subdivision	CAMBRIA PINES MANOR 05
Legal Block	110
Legal Lot Number	19
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3054
Census Tract	10403

Owner

Source: San Luis Obispo County records, as of August 6, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	1531 STUART ST, CAMBRIA, CA 93428-5921
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage HHTG UNIVERSAL PARTNERS LLC
Jul 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
May 30, 2017	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2016 · Amount on Record
Deed Sale	Jan 22, 2016 · Amount on Record
Prior Sale	Oct 15, 1999 · Amount on Record
Deed Document Number	20162847
Prior Transfer Date	Jun 5, 2008
Prior Transfer Doc	0000031388
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1531 STUART ST, CAMBRIA, CA 93428-5921
Document Number	0000074606
Instrument Date	Dec 16, 2020
Transaction Type	Mortgage
Record Updated	Dec 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1531 STUART ST CAMBRIA CA 934285921, CAMBRIA, CA 93428-5921

Mortgage

Document Number	0000074606
Date	Dec 16, 2020
Instrument	74606

Lender

Name	HHTG UNIVERSAL PARTNERS LLC
Address	HUNKINS WATERFRONT PLZ # 556MA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1531 STUART ST, CAMBRIA, CA 93428-5921
Document Number	0000031971
Instrument Date	Jul 13, 2019
Transaction Type	Mortgage
Record Updated	Aug 15, 2019
Title Company	AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1531 STUART ST CAMBRIA CA 934285921, CAMBRIA, CA 93428-5921

Mortgage

Document Number	0000031971
Date	Aug 7, 2019
Instrument	31971

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 6, 2049

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1531 STUART ST, CAMBRIA, CA 93428-5921
Document Number	0000024914
Instrument Date	May 30, 2017
Transaction Type	Mortgage
Record Updated	Jul 3, 2017
Title Company	BNT TITLE COMPANY/CA, BNT TITLE CO/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1531 STUART ST CAMBRIA CA 934285921, CAMBRIA, CA 93428-5921

Mortgage

Document Number	0000024914
Date	Jun 7, 2017
Instrument	24914

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 6, 2047

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of August 6, 2025

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
2025	$7,166.00 (+2.31%) Homeowner's exemption	$651,083 (+4.04%) Land $295,947 Building $355,136
2024	$7,004.00 (+1.76%)
2023	$6,883.00 (+2.02%) Homeowner's exemption	$625,803 Land $284,456 Building $341,347
2022	$6,747.00

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
Nearby Flood Policies	2 in force

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 69% of the US · above 43% of California
Wildfire Likelihood	0.3% 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 126 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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