1555 Harmony Ranch Rd, Harmony, CA 93435 Property Records

San Luis Obispo County property record for 1555 Harmony Ranch Rd, Harmony, CA 93435

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,080 sqft · built 1991
Lot Size	40 acres (1,743,271 sqft)
Owner	Company Name on Record
Last Sale	$8,400,000 (Sep 2023)
Tax Bill	$90,456 (2025)
Deeds & Mortgages	Sep 2023 Sale Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`013-201-026`

Property Details

APN / Parcel Number

Primary APN	`013-201-026`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,080 sqft Living Area
1st Floor Area	3,080 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Construction Type	Wood
Lot Area	1,743,271 sqft
Terrain	Combination
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1555 HARMONY RANCH RD
City	CAMBRIA
State	CA
Zip	93428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	RHO STA ROSA R/S 16/80 PAR 12
Legal Subdivision	RANCHO SANTA ROSA
Legal Block	1
Legal Lot Number	F
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1089
Census Tract	13000

Owner

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	441 VINELAND RD, BAKERSFIELD, CA 93307-9556
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2023	Grant Deed, Transfer PLACER TITLE COMPANY
Nov 21, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage MECHANICS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2023 · Amount on Record
Deed Sale	Sep 11, 2023 · Amount on Record
Prior Sale	Aug 13, 2010 · Amount on Record
Deed Document Number	202326646
Prior Transfer Date	Jun 15, 1994
Prior Transfer Doc	0000037259
Record Updated	Oct 29, 2026

September 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 11, 2023
Property Address	1555 HARMONY RANCH RD, HARMONY, CA 93435-5019
Document Number	0000026646
Map Reference	MB 16 PG 80
Instrument Date	Aug 8, 2023
Instrument	2023026646
Transaction Type	Transfer
Record Updated	Sep 21, 2023
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Family Trust
Address	441 VINELAND RD, BAKERSFIELD, CA 93307-9556

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 21, 2019
Property Address	1555 HARMONY RANCH RD, HARMONY, CA 93435-5019
Document Number	0000052282
Map Reference	MB 16 PG 80
Instrument Date	Nov 18, 2019
Instrument	2019052282
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1555 HARMONY RANCH RD, HARMONY, CA 93435-5019

Mortgage

Document Number	0000052283
Date	Nov 21, 2019
Instrument	2019052283

Lender

Name	MECHANICS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Dec 1, 2026
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.37%
Index	1-Year CMT
Max Rate	9.37%

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		$8,739,360 (+2%) Land $6,242,400 Building $2,496,960
2025	$90,456.00 (+362.03%)	$8,568,000 (+363.04%) Land $6,120,000 Building $2,448,000
2023	$19,578.00 (+1.98%) Homeowner's exemption	$1,850,367 Land $985,139 Building $865,228
2022	$19,198.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	6 units insured incl. 4 condo units

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	High above 82% of the US · above 60% of California
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Ranch Wifi Fixed Wireless	100 / 20

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