San Luis Obispo County property record for 1560 Emerson Rd, Cambria, CA 93428
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,204 sqft · built 1988 |
| Lot Size | 0.134 acres (5,850 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $999,000 (Nov 2025) |
| Tax Bill | $5,917 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Nov 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 023-223-032 |
| Primary APN | 023-223-032 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,204 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Construction Type | Wood |
| Lot Area | 5,850 sqft (0.134 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 1560 EMERSON RD |
|---|---|
| City | CAMBRIA |
| State | CA |
| Zip | 93428-4716 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | CAM PINES M U 2 BL 21 LTS 12 & 13 |
| Legal Subdivision | CAMBRIA PINES MANOR 02 |
| Legal Block | 21 |
| Legal Lot Number | 12,13 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2058 |
| Census Tract | 10403 |
1560 Emerson Rd is owned by two individuals who bought it in November 2025.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5860 SANTA ROSA CREEK RD, CAMBRIA, CA 93428-3534 |
| Owner Type | Individual |
| Vesting | Community Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 5, 2026 | Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING |
| Nov 19, 2025 | Grant Deed, Transfer · Conventional Mortgage SYNERGY ONE LENDING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 19, 2025 · Amount on File |
| Deed Sale | Nov 19, 2025 · Amount on File |
| Prior Sale | Feb 24, 1999 · Amount on File |
| Deed Document Number | 202535681 |
| Prior Transfer Date | Jun 3, 2003 |
| Prior Transfer Doc | 0000092264 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | May 5, 2026 |
| Property Address | 1560 EMERSON RD, CAMBRIA, CA 93428-4716 |
| Document Number | 0000014023 |
| Instrument Date | May 1, 2026 |
| Instrument | 202614023 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | OLD REPUBLIC TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Community Property, 149 |
| Address | 2598 MAIN ST, MORRO BAY, CA 93442-1553 |
| Document Number | 0000014023, |
|---|---|
| Date | May 5, 2026 |
| Instrument | 202614023 |
| Name | SYNERGY ONE LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Nov 19, 2025 |
| Property Address | 1560 EMERSON RD, CAMBRIA, CA 93428-4716 |
| Document Number | 0000035681 |
| Map Reference | MB 5 PG 10 |
| Instrument Date | Nov 6, 2025 |
| Instrument | 2025035681 |
| Transaction Type | Transfer |
| Record Updated | Jan 6, 2026 |
| Title Company | PLACER TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 5860 SANTA ROSA CREEK RD, CAMBRIA, CA 93428-3534 |
| Document Number | 0000035682 |
|---|---|
| Date | Nov 19, 2025 |
| Instrument | 2025035682 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
The 2025 property tax bill for 1560 Emerson Rd was $5,917, up 3.6% from the year before.
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 | $999,000 (+89.12%) Land $500,000 Building $499,000 | |
| 2025 | $5,917.00 (+3.63%) | $528,243 Land $172,433 Building $355,810 |
| 2024 | $5,710.00 (+1.8%) | |
| 2023 | $5,609.00 (+2.02%) Homeowner's exemption | $507,733 Land $165,738 Building $341,995 |
| 2022 | $5,498.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 1560 Emerson Rd in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1995.
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 File 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 |
|
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 risk around 1560 Emerson Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 79% 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.
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 392 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, T-Mobile, Verizon.
4G LTE only, no 5G reported
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