1641 Cardiff Dr, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 1641 Cardiff Dr, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 832 sqft · built 1957
Lot Size	0.08 acres (3,500 sqft)
Owner	Individual Name on File
Last Sale	$570,000 (Mar 2023)
Tax Bill	$6,597 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Nov 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`024-093-004`

Property Details

APN / Parcel Number

Primary APN	`024-093-004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	832 sqft Living Area
1st Floor Area	832 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Construction Type	Wood
Lot Area	3,500 sqft (0.08 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	1641 CARDIFF DR
City	CAMBRIA
State	CA
Zip	93428-5705
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CAM PINES M U 3 BL 63 LTS 5 & 6
Legal Subdivision	CAMBRIA PINES MANOR
Legal Block	63
Legal Lot Number	5,6
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1003
Census Tract	10403

Owner

1641 Cardiff Dr is owned and occupied by an individual who bought it in March 2023.

Source: San Luis Obispo County records, as of August 6, 2026

Owner of Record	Individual Name on File
Mailing Address	1641 CARDIFF DR, CAMBRIA, CA 93428-5705
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2023	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Nov 24, 2021	Intrafamily Transfer, Transfer
Nov 16, 2021	Intrafamily Transfer, Transfer
May 3, 2021	Grant Deed, Transfer PLACER TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2023 · Amount on File
Deed Sale	Mar 15, 2023 · Amount on File
Prior Sale	May 3, 2021 · Amount on File
Deed Document Number	20236949
Prior Transfer Date	Jul 1, 2022
Prior Transfer Doc	0000028110
Record Updated	Oct 29, 2026

March 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 15, 2023
Property Address	1641 CARDIFF DR, CAMBRIA, CA 93428-5705
Document Number	0000006949
Map Reference	MB 5 PG 12
Instrument Date	Feb 15, 2023
Instrument	2023006949
Transaction Type	Transfer
Record Updated	Mar 24, 2023
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	Community Property with Right of Survivorship
Address	1641 CARDIFF DR, CAMBRIA, CA 93428-5705

Mortgage

Document Number	0000006950
Date	Mar 15, 2023
Instrument	2023006950

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 24, 2021
Property Address	1641 CARDIFF DR, CAMBRIA, CA 93428-5705
Document Number	0000078068
Map Reference	MB 5 PG 12
Instrument Date	Nov 8, 2021
Instrument	2021078068
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Revocable Trust
Address	1641 CARDIFF DR, CAMBRIA, CA 93428-5705

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 16, 2021
Property Address	1641 CARDIFF DR, CAMBRIA, CA 93428-5705
Document Number	0000076141
Map Reference	MB 5 PG 12
Instrument Date	Nov 8, 2021
Instrument	2021076141
Transaction Type	Transfer
Record Updated	Nov 25, 2021

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	1641 CARDIFF DR, CAMBRIA, CA 93428-5705

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 3, 2021
Property Address	1641 CARDIFF DR, CAMBRIA, CA 93428-5705
Document Number	0000033153
Map Reference	MB 5 PG 12
Instrument Date	Apr 20, 2021
Instrument	2021033153
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount on Record
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	1641 CARDIFF DR, CAMBRIA, CA 93428-5705

Tax Assessment & Valuation

The 2025 property tax bill for 1641 Cardiff Dr was $6,597 with a homeowner's exemption.

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		$348,100 (-41.27%) Land $156,938 Building $191,162
2025	$6,597.00	$592,715 Land $416,160 Building $176,555
2023	$6,902.00 (+1.19%)	$623,220 Land $408,000 Building $215,220
2022	$6,821.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 1641 Cardiff Dr in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1983.

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 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	8 (1983–2023)
Claims Outside the SFHA	6 of 8
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 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

Wildfire risk around 1641 Cardiff Dr is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 48% of the US · lower than 71% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 458 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Astound Broadband, Ranch Wifi.

Cell Coverage

5G (outdoors only) and 4G LTE

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