1878 Saint Thomas Ave, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 1878 Saint Thomas Ave, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,604 sqft · built 2002
Lot Size	0.12 acres (5,227 sqft)
Owner	Company Name on File
Last Sale	$1,800,000 (Mar 2022)
Tax Bill	$20,484 (2025)
Deeds & Mortgages	Mar 2022 Sale Dec 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`023-133-010`

Property Details

APN / Parcel Number

Primary APN	`023-133-010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	2,604 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Construction Type	Wood
Lot Area	5,227 sqft (0.12 acres)
Terrain	Above Road/Slope
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	1878 SAINT THOMAS AVE
City	CAMBRIA
State	CA
Zip	93428-5518
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES TR 8 BL 231 LTS 11 TO 13
Legal Subdivision	TRACT 08
Legal Tract	8
Legal Block	231
Legal Lot Number	11
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1065
Census Tract	10403

Owner

1878 Saint Thomas Ave is owned by a company that bought it in March 2022.

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

Owner of Record	Company Name on File
Mailing Address	307 E 21ST ST, BAKERSFIELD, CA 93305-5117
Owner Type	Company
Vesting	Limited Liability Company

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 16, 2022	Grant Deed, Transfer PLACER TITLE COMPANY
Dec 9, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 9, 2021	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE COMPANY
Jun 15, 2018	Deed of Trust, Mortgage · VA Mortgage FLAGSTAR BANK FSB
Nov 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2022 · Amount on File
Deed Sale	Mar 16, 2022 · Amount on File
Prior Sale	Sep 1, 2015 · Amount on File
Deed Document Number	202211845
Prior Transfer Date	Nov 22, 2021
Prior Transfer Doc	0000080618
Record Updated	Sep 20, 2026

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 16, 2022
Property Address	1878 SAINT THOMAS AVE, CAMBRIA, CA 93428-5518
Document Number	0000011845
Map Reference	MB 5 PG 21
Instrument Date	Mar 2, 2022
Instrument	2022011845
Transaction Type	Transfer
Record Updated	Mar 3, 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
Address	307 E 21ST ST, BAKERSFIELD, CA 93305-5117

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 9, 2021
Property Address	1878 SAINT THOMAS AVE, CAMBRIA, CA 93428-5518
Document Number	0000080618
Map Reference	MB 5 PG 21
Instrument Date	Nov 22, 2021
Instrument	2021080618
Transaction Type	Transfer
Record Updated	Mar 3, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

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	Joint Tenants
Address	1878 SAINT THOMAS AVE, CAMBRIA, CA 93428-5518
Investor	Possibly a Property Investor

Mortgage

Document Number	0000080619
Date	Dec 9, 2021
Instrument	2021080619

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2042

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 9, 2021
Property Address	1878 SAINT THOMAS AVE, CAMBRIA, CA 93428-5518
Document Number	0000080620
Map Reference	MB 5 PG 21
Instrument Date	Nov 22, 2021
Instrument	2021080620
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	OLD REPUBLIC TITLE COMPANY

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	1878 SAINT THOMAS AVE, CAMBRIA, CA 93428-5518
Investor	Possibly a Property Investor

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1878 SAINT THOMAS AVE, CAMBRIA, CA 93428-5518
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PACIFIC COAST TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024683
Date	Jun 15, 2018
Instrument	2018024683

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2048

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1878 SAINT THOMAS AVE, CAMBRIA, CA 93428-5518
Document Number	0000050371
Instrument Date	Nov 4, 2019
Transaction Type	Mortgage
Record Updated	Nov 25, 2019
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1878 SAINT THOMAS AVE CAMBRIA CA 934285518, CAMBRIA, CA 93428-5518

Mortgage

Document Number	0000050371
Date	Nov 13, 2019
Instrument	50371

Lender

Name	PROVIDENT CU
Type	Credit Union
Address	REDWOOD CITY, CA 94065

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 12, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1878 Saint Thomas Ave was $20,484, up 2.3% from the year before.

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		$1,948,377 (+2%) Land $865,945 Building $1,082,432
2025	$20,484.00 (+2.26%)	$1,910,174 Land $848,966 Building $1,061,208
2024	$20,032.00 (+1.71%)
2023	$19,696.00 (+43.36%)	$1,836,000 Land $816,000 Building $1,020,000
2022	$13,739.00

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

Flood

FEMA maps place 1878 Saint Thomas Ave 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 1878 Saint Thomas Ave is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach

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 only, no 5G reported

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