San Luis Obispo County property record for 2012 Cardiff Dr, Cambria, CA 93428
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,818 sqft · built 1985 |
| Lot Size | 0.08 acres (3,500 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $5,209 (2025) |
| Deeds & Mortgages | Oct 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 024-032-010 |
| Primary APN | 024-032-010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,818 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 3,500 sqft (0.08 acres) |
| Lot Dimensions | 70 ft deep x 50 ft wide |
| Terrain | Below Road/Slope |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 2012 CARDIFF DR |
|---|---|
| City | CAMBRIA |
| State | CA |
| Zip | 93428-5158 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | CAM PINES M U 3 BL 48 LTS 19 & 20 |
| Legal Subdivision | CAMBRIA PINES MANOR |
| Legal Block | 48 |
| Legal Lot Number | 19,20 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 10403 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 2012 CARDIFF DR, CAMBRIA, CA 93428-5158 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 2012 CARDIFF DR, CAMBRIA, CA 93428-5158 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 2012 CARDIFF DR, CAMBRIA, CA 93428-5158 |
| Document Number | 0000058826 |
|---|---|
| Date | Oct 20, 2020 |
| Instrument | 2020058826 |
| Name | SESLOC FCU |
|---|---|
| Type | Credit Union |
| Address | SAN LUIS OBISPO, CA 93403 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Oct 19, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Unified School District | Coast Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $477,407 (+2%) Land $212,178 Building $265,229 | |
| 2025 | $5,209.00 (+4.2%) Homeowner's exemption | $468,047 (+4.04%) Land $208,018 Building $260,029 |
| 2023 | $4,999.00 (+2.04%) Homeowner's exemption | $449,875 Land $199,942 Building $249,933 |
| 2022 | $4,899.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 78% of California |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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