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1940 Main St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 1940 Main St, Cambria, CA 93428

Property Summary

Property TypeRetail Stores (Personal Services, Photography, Travel)
Details596 sqft · built 1955
Lot Size0.281 acres (12,244 sqft)
Owner2 Company Names on File
Last Sale$1,350,000 (Feb 2026)
Tax Bill$5,103 (2025)
Deeds & MortgagesFeb 2026 Sale
Dec 2025 Sale
+ 2 more
Flood ZoneZone X (moderate risk)
APN013-261-023

Property Details

APN / Parcel Number

Primary APN013-261-023

Interior

Stories1 Story
Building Area596 sqft Gross Area
1st Floor Area596 sqft

Exterior

Year BuiltBuilt 1955
Effective Year BuiltEffective 1955
Lot Area12,244 sqft (0.281 acres)
TerrainBelow Road/Slope

Utilities, Heating & Cooling

SewerConnected

Location & Zoning

Street Address1940 MAIN ST
CityCAMBRIA
StateCA
Zip93428-3012
Property CategoryCommercial
Property TypeCommercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning CodeCR
Legal DescriptionTN CAMBRIA PM 53-54 PAR 1
Legal SubdivisionROSA CREEK
Legal Block1
JurisdictionSAN LUIS OBISPO CA
Township / Civil DivisionNORTH COAST
Census Block Group1
Census Block1058
Census Tract10404

Owner

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

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

Owner of Record2 Company Names on File
Mailing Address200 HARMONY RANCH RD, HARMONY, CA 93435-5021
Owner TypeCompany
VestingTrust, Family Trust

Deeds, Mortgages & Sale History

DateDocument
Feb 25, 2026Grant Deed, Transfer
PLACER TITLE COMPANY
Dec 17, 2025Grant Deed, Transfer
Nov 2, 2022Intrafamily Transfer, Transfer
Jan 26, 2023Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 25, 2026 · Amount on Record
Deed SaleFeb 25, 2026 · Amount on Record
Prior SaleDec 17, 2025 · Amount on Record
Deed Document Number20265491
Prior Transfer DateOct 11, 2022
Prior Transfer Doc0000002405
Record UpdatedSep 20, 2026

February 2026: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN LUIS OBISPO CA
Recording DateFeb 25, 2026
Property Address1940 MAIN ST, CAMBRIA, CA 93428-3012
Document Number0000005491
Map ReferenceMB 53 PG 54
Instrument DateFeb 10, 2026
Instrument2026005491
Transaction TypeTransfer
Record UpdatedMar 10, 2026
Title CompanyPLACER TITLE COMPANY

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address200 HARMONY RANCH RD, HARMONY, CA 93435-5021

December 2025: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN LUIS OBISPO CA
Recording DateDec 17, 2025
Property Address1940 MAIN ST, CAMBRIA, CA 93428-3012
Document Number0000038687
Instrument DateDec 8, 2025
Instrument2025038687
Transaction TypeTransfer
Record UpdatedJan 6, 2026

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address15500 W HIGHWAY 46, TEMPLETON, CA 93465-9720

November 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN LUIS OBISPO CA
Recording DateNov 2, 2022
Property Address1940 MAIN ST, CAMBRIA, CA 93428-3012
Document Number0000043496
Map ReferenceMB 53 PG 54
Instrument DateOct 11, 2022
Instrument2022043496
Transaction TypeTransfer
Record UpdatedNov 15, 2022

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address15500 W HIGHWAY 46, TEMPLETON, CA 93465-9720

January 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN LUIS OBISPO CA
Recording DateJan 26, 2023
Property Address1940 MAIN ST, CAMBRIA, CA 93428-3012
Document Number0000002405
Map ReferenceMB 53 PG 54
Instrument DateOct 11, 2022
Instrument2023002405
Transaction TypeTransfer
Record UpdatedJun 7, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address15500 W HIGHWAY 46, TEMPLETON, CA 93465-9720

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateCalifornia
CountySan Luis Obispo County
Unified School DistrictCoast Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$457,523 (+1.44%) Land $324,796 Building $132,727
2025$5,103.00 (+4.12%)$451,013 (+4.04%) Land $318,362 Building $132,651
2023$4,901.00 (+60.69%)$433,500 Land $306,000 Building $127,500
2022$3,050.00

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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 13 policies
Nearby Flood Policies13 in force
Nearby Flood Claims21 (1986–2026)
Claims Outside the SFHA4 of 21
Most Recent ClaimJan 2026 · rainfall accumulation
Claims by Event
  • Severe Winter Storms And Flooding, Feb 1998 · 3 claims
  • Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 8 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 RiskModerate
above 59% of the US · lower than 64% of California
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemCAMBRIA COMM SERVICES DIST
serves 6,038 people · EPA ID CA4010014
Water SourceGroundwater
Last State InspectionApr 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTreatment failure
resolved · Jul 2022
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 110 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
AT&T
Fixed Wireless		100 / 20

May also be available: Radiate Holdings, T-Mobile USA, Verizon.

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