1580 Emerson Rd, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 1580 Emerson Rd, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 918 sqft · built 1987
Lot Size	0.096 acres (4,188 sqft)
Owner	Individual Name on Record
Last Sale	$625,000 (Oct 2026)
Tax Bill	$7,122 (2025)
Deeds & Mortgages	Oct 2026 Sale Oct 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`023-223-034`

Property Details

APN / Parcel Number

Primary APN	`023-223-034`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	918 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Lot Area	4,188 sqft (0.096 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	1580 EMERSON RD
City	CAMBRIA
State	CA
Zip	93428-4772
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES M U 2 BL 21 LTS 10 & 11
Legal Subdivision	CAMBRIA PINES MANOR UNIT NO 2
Legal Block	21
Legal Lot Number	10,11
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2058
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	Individual Name on Record
Mailing Address	1580 EMERSON RD, CAMBRIA, CA 93428-4772
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2026	Grant Deed, Transfer FIRST AMERICAN TITLE
Oct 2, 2026	Grant Deed, Transfer · Conventional Mortgage CHAMPIONS FUNDING LLC
Jan 27, 2021	Grant Deed, Transfer ATTORNEY ONLY
Jul 20, 2020	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2026 · Amount on Record
Deed Sale	Oct 2, 2026 · Amount on Record
Deed Document Number	202631223
Prior Transfer Date	Oct 1, 2026
Prior Transfer Doc	0000031224
Record Updated	Oct 29, 2026

October 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 2, 2026
Property Address	1580 EMERSON RD, CAMBRIA, CA 93428-4772
Document Number	0000031224
Instrument Date	Oct 1, 2026
Instrument	202631224
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	1580 EMERSON RD, CAMBRIA, CA 93428-4772

October 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 2, 2026
Property Address	1580 EMERSON RD, CAMBRIA, CA 93428-4772
Document Number	0000031223
Instrument Date	Sep 23, 2026
Instrument	202631223
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$69,437.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	1580 EMERSON RD, CAMBRIA, CA 93428-4772

Mortgage

Document Number	0000031225,
Date	Oct 2, 2026
Instrument	202631225

Lender

Name	CHAMPIONS FUNDING LLC

Agreement

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

Interest

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

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 27, 2021
Property Address	1580 EMERSON RD, CAMBRIA, CA 93428-4772
Document Number	0000006302
Instrument Date	Dec 31, 2020
Instrument	6302
Transaction Type	Transfer
Record Updated	Feb 8, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	523 E CENTRAL AVE MISSOULA MT 598017022, MISSOULA, MT 59801-7022

July 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 20, 2020
Property Address	1580 EMERSON RD, CAMBRIA, CA 93428-4772
Document Number	0000036722
Instrument Date	Jun 29, 2020
Instrument	36722
Transaction Type	Transfer
Record Updated	Jul 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	523 E CENTRAL AVE PORT TOWNSEND WA 98368, PORT TOWNSEND, WA 98368

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		$655,452 (+2%) Land $416,160 Building $239,292
2025	$7,122.00 (+218.52%)	$642,600 (+255.02%) Land $408,000 Building $234,600
2023	$2,236.00 (+2.05%)	$181,005 Land $72,482 Building $108,523
2022	$2,191.00

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
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 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.

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 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.

Cell Coverage

4G LTE only, no 5G reported

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