1828 Stuart St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 1828 Stuart St, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	2 bd · 4 ba · 1,375 sqft · built 1983
Lot Size	0.16 acres (7,000 sqft)
Owner	Owner Name on File
Tax Bill	$5,724 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`024-141-047`

Property Details

APN / Parcel Number

Primary APN	`024-141-047`

Interior

Bedrooms	2 Beds
Full Baths	4 Baths
Total Rooms	5 Rooms
Building Area	1,375 sqft Living Area

Exterior

Year Built	Built 1983
Construction Type	Wood
Lot Area	7,000 sqft (0.16 acres)
Terrain	Other
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1828 STUART ST
City	CAMBRIA
State	CA
Zip	93428-5834
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CAM PINES M U 4 BL 92 LTS 25 TO 28
Legal Subdivision	CAMBRIA PINES MANOR UN #4
Legal Block	92
Legal Lot Number	25
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3032
Census Tract	10403

Owner

Source: San Luis Obispo County assessment roll, as of July 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on File
Mailing Address	1828 STUART ST, CAMBRIA, CA 93428-5834
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Sep 27, 2019	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Jun 18, 2020	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Aug 31, 2017	Deed of Trust, Mortgage · VA Mortgage JG WENTWORTH HM LNDG
Dec 28, 2016	Deed of Trust, Mortgage · VA Mortgage JG WENTWORTH HM LNDG

Assessor's Deed Record

Prior Sale	Jun 30, 2006
Last Transfer Date	Jul 3, 2006
Transfer Doc	0000046343
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1828 STUART ST, CAMBRIA, CA 93428-5834
Transaction Type	Mortgage
Record Updated	Apr 1, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1828 STUART ST, CAMBRIA, CA 93428-5834

Mortgage

Document Number	0000021050
Date	Mar 19, 2021
Instrument	2021021050

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1828 STUART ST, CAMBRIA, CA 93428-5834
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041142
Date	Sep 27, 2019
Instrument	2019041142

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1828 STUART ST, CAMBRIA, CA 93428-5834
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029918
Date	Jun 18, 2020
Instrument	2020029918

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1828 STUART ST, CAMBRIA, CA 93428-5834
Document Number	0000040622
Instrument Date	Aug 31, 2017
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1828 STUART ST CAMBRIA CA 934285834, CAMBRIA, CA 93428-5834

Mortgage

Document Number	0000040622
Date	Sep 11, 2017
Instrument	40622

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 10, 2047

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1828 STUART ST, CAMBRIA, CA 93428-5834
Document Number	0000001201
Instrument Date	Dec 28, 2016
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1828 STUART ST CAMBRIA CA 934285834, CAMBRIA, CA 93428-5834

Mortgage

Document Number	0000001201
Date	Jan 9, 2017
Instrument	1201

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 8, 2047

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of July 1, 2025

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
2025	$5,724.00 (+4.17%) Homeowner's exemption	$516,919 (+4.04%) Land $290,904 Building $226,015
2023	$5,495.00 (+2.04%) Homeowner's exemption	$496,848 Land $279,608 Building $217,240
2022	$5,385.00

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

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	2 in force

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	Moderate above 65% of the US · lower than 60% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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: Radiate Holdings, Ranch WiFi.

Cell Coverage

5G (outdoors only) and 4G LTE

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