1776 Saint James Rd, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 1776 Saint James Rd, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,468 sqft · built 1947
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on File
Last Sale	$157,500 (Apr 1994)
Tax Bill	$3,189 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`023-141-027`

Property Details

APN / Parcel Number

Primary APN	`023-141-027`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,468 sqft Living Area
1st Floor Area	1,468 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Construction Type	Wood
Lot Area	7,000 sqft (0.161 acres)
Terrain	Above Road/Slope
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	1776 SAINT JAMES RD
City	CAMBRIA
State	CA
Zip	93428-5624
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES TR 8 PTN BL 214
Legal Subdivision	TRACT NO 8
Legal Tract	8
Legal Block	214
Legal Lot Number	16-19
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1074
Census Tract	10403

Owner

1776 Saint James Rd is owned by two individuals who acquired it in April 2010.

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

Owner of Record	2 Individual Names on File
Mailing Address	2598 CARTWRIGHT RD, RENO, NV 89521-7115
Owner Type	Individual
Vesting	Joint Tenants

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
Aug 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 9, 2021	Deed of Trust, Mortgage · Conventional with PMI ARCSTONE FINANCIAL INC ARCSTONE FINANCIAL INC
Apr 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage ARCSTONE FINANCIAL INC ARCSTONE FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 1994 · Amount on File
Deed Sale	Apr 15, 1994 · Amount on File
Deed Document Number	199423979
Last Transfer Date	Apr 20, 2010
Transfer Doc	0000025420
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1776 SAINT JAMES RD, CAMBRIA, CA 93428-5624
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	PRIORITY TITLE ENCINO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032141
Date	Aug 7, 2019
Instrument	2019032141

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1776 SAINT JAMES RD, CAMBRIA, CA 93428-5624
Document Number	0000003968
Instrument Date	Jan 9, 2021
Transaction Type	Mortgage
Record Updated	Feb 1, 2021
Title Company	STEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2598 CARTWRIGHT RD RENO NV 895217115, RENO, NV 89521-7115

Mortgage

Document Number	0000003968
Date	Jan 20, 2021
Instrument	3968

Lender

Name	ARCSTONE FINANCIAL INC ARCSTONE FINANCIAL INC
Type	Bank
Address	LOS ANGELES, CA 90027

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 19, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1776 SAINT JAMES RD, CAMBRIA, CA 93428-5624
Document Number	0000017372
Instrument Date	Apr 1, 2020
Transaction Type	Mortgage
Record Updated	May 6, 2020
Title Company	PRIORITY TITLE COMPANY, PRIORITY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2598 CARTWRIGHT RD RENO NV 895217115, RENO, NV 89521-7115

Mortgage

Document Number	0000017372
Date	Apr 9, 2020
Instrument	17372

Lender

Name	ARCSTONE FINANCIAL INC ARCSTONE FINANCIAL INC
Type	Bank
Address	LOS ANGELES, CA 90027

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 8, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1776 Saint James Rd was $3,189.

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		$274,866 (+2%) Land $100,662 Building $174,204
2025	$3,189.00	$269,478 Land $98,689 Building $170,789
2023	$3,059.00 (+2.03%)	$259,015 Land $94,857 Building $164,158
2022	$2,998.00

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

Flood

FEMA maps place 1776 Saint James Rd 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 1776 Saint James Rd is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · lower than 74% of California
Wildfire Likelihood	0.07% 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 609 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Astound Broadband.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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