1975 Saint Thomas Ave, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 1975 Saint Thomas Ave, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,716 sqft · built 1981
Lot Size	0.136 acres (5,916 sqft)
Owner	Company Name on Record
Last Sale	$868,000 (Apr 2020)
Tax Bill	$10,352 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`023-102-011`

Property Details

APN / Parcel Number

Primary APN	`023-102-011`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,716 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Construction Type	Wood
Lot Area	5,916 sqft (0.136 acres)
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1975 SAINT THOMAS AVE
City	CAMBRIA
State	CA
Zip	93428-5431
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES TR 8 BL 224 LTS 18 & 19
Legal Subdivision	CAMBRIA PINES 08
Legal Tract	8
Legal Block	224
Legal Lot Number	18,19
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1062
Census Tract	10403

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	44751 MILLWOOD DR, OROSI, CA 93647-9515
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Apr 13, 2020	Grant Deed, Transfer · Conventional Mortgage BANK OF THE WEST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2020 · Amount on Record
Deed Sale	Apr 13, 2020 · Amount on Record
Deed Document Number	202017772
Prior Transfer Date	Oct 11, 2007
Prior Transfer Doc	0000069519
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1975 SAINT THOMAS AVE, CAMBRIA, CA 93428-5431
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TIMIOS INC CALIFORNIA OPERA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027853
Date	Jul 16, 2019
Instrument	2019027853

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 13, 2020
Property Address	1975 SAINT THOMAS AVE, CAMBRIA, CA 93428-5431
Document Number	0000017772
Instrument Date	Mar 2, 2020
Instrument	17772
Transaction Type	Transfer
Record Updated	May 7, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$955.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	45234 MILLWOOD DR OROSI CA 936479502, OROSI, CA 93647-9502

Mortgage

Document Number	17773
Date	Apr 13, 2020
Instrument	17773

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2050

Tax Assessment & Valuation

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		$967,929 (+2%) Land $446,205 Building $521,724
2025	$10,352.00 (+4.05%)	$948,951 (+4.04%) Land $437,456 Building $511,495
2023	$9,949.00 (+1.99%)	$912,104 Land $420,470 Building $491,634
2022	$9,755.00

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
Flood Insurance Cost	Premium on Record 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

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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