1997 Saint Thomas Ave, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 1997 Saint Thomas Ave, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,173 sqft · built 1972
Lot Size	0.183 acres (7,982 sqft)
Owner	Company Name on Record
Last Sale	$1,000,000 (Aug 2018)
Tax Bill	$12,699 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Sep 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`023-102-025`

Property Details

APN / Parcel Number

Primary APN	`023-102-025`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,173 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Construction Type	Wood
Lot Area	7,982 sqft (0.183 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	1997 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 12 TO 15
Legal Subdivision	CAMBRIA PINES 08
Legal Tract	8
Legal Block	224
Legal Lot Number	12
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1997 SAINT THOMAS AVE, CAMBRIA, CA 93428-5431
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2023	Deed of Trust, Mortgage · Commercial Mortgage PREMIER VALLEY BANK
Sep 1, 2020	Deed of Trust, Mortgage · Line of Credit PREMIER VALLEY BANK
Aug 31, 2018	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2018 · Amount on Record
Deed Sale	Aug 31, 2018 · Amount on Record
Deed Document Number	201836135
Prior Transfer Date	Nov 19, 2009
Prior Transfer Doc	0000065315
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1997 SAINT THOMAS AVE, CAMBRIA, CA 93428-5431
Transaction Type	Mortgage
Record Updated	Sep 1, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1997 SAINT THOMAS AVE, CAMBRIA, CA 93428-5431

Mortgage

Document Number	0000024668
Date	Aug 22, 2023
Instrument	2023024668

Lender

Name	PREMIER VALLEY BANK
Type	Bank
Address	RIO RANCHO, NM 87124

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1997 SAINT THOMAS AVE, CAMBRIA, CA 93428-5431
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	274 BIRCH CREEK DR, PLEASANTON, CA 94566-6781

Mortgage

Document Number	0000046986
Date	Sep 1, 2020
Instrument	2020046986

Lender

Name	PREMIER VALLEY BANK
Type	Bank
Address	SAN LUIS OBISPO, CA 93401

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 31, 2018
Property Address	1997 SAINT THOMAS AVE, CAMBRIA, CA 93428-5431
Document Number	0000036135
Instrument Date	Jul 31, 2018
Instrument	36135
Transaction Type	Transfer
Record Updated	Sep 12, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$1,100.00
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	274 BIRCH CREEK DR PLEASANTON CA 945666781, PLEASANTON, CA 94566-6781

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		$1,195,045 (+2%) Land $739,586 Building $455,459
2025	$12,699.00 (+9.12%)	$1,171,614 (+9.27%) Land $725,085 Building $446,529
2023	$11,638.00 (+1.98%)	$1,072,199 Land $696,930 Building $375,269
2022	$11,412.00

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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