2095 Saint Thomas Ave, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 2095 Saint Thomas Ave, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,091 sqft · built 1982
Lot Size	0.161 acres (7,000 sqft)
Owner	Company Name on File
Last Sale	$80,000 (Nov 1995)
Tax Bill	$2,865 (2025)
Deeds & Mortgages	Apr 2021 Transfer Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`023-101-031`

Property Details

APN / Parcel Number

Primary APN	`023-101-031`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,091 sqft Living Area
1st Floor Area	2,091 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Construction Type	Wood
Lot Area	7,000 sqft (0.161 acres)
Terrain	Below Road/Slope
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	2095 SAINT THOMAS AVE
City	CAMBRIA
State	CA
Zip	93428-5433
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES TR 8 BL 223 LTS 32 TO 35
Legal Subdivision	TRACT 08
Legal Tract	8
Legal Block	223
Legal Lot Number	32
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1063
Census Tract	10403

Owner

2095 Saint Thomas Ave is owned by a company that acquired it in May 2024 and is owner-occupied.

Source: San Luis Obispo County records, as of August 21, 2026

Owner of Record	Company Name on File
Mailing Address	2095 SAINT THOMAS AVE, CAMBRIA, CA 93428-5433
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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
Apr 21, 2021	Intrafamily Transfer, Transfer AMROCK LLC
Apr 21, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Mar 11, 2019	Quit Claim Deed, Transfer · Conventional Mortgage POWER CHOICE MORTGAGE
Apr 15, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Feb 15, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 1995 · Amount on File
Deed Sale	Nov 1, 1995 · Amount on File
Deed Document Number	199550906
Last Transfer Date	May 22, 2024
Transfer Doc	0000015130
Record Updated	Oct 29, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 21, 2021
Property Address	2095 SAINT THOMAS AVE, CAMBRIA, CA 93428-5433
Document Number	0000029791
Map Reference	MB 5 PG 21
Instrument Date	Jan 4, 2021
Instrument	2021029791
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	AMROCK LLC

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	Living Trust
Address	2095 SAINT THOMAS AVE, CAMBRIA, CA 93428-5433

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 21, 2021
Property Address	2095 SAINT THOMAS AVE, CAMBRIA, CA 93428-5433
Document Number	0000029789
Map Reference	MB 5 PG 21
Instrument Date	Jan 4, 2021
Instrument	2021029789
Transaction Type	Transfer
Record Updated	Mar 3, 2023
Title Company	AMROCK INC, AMROCK LLC

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	2095 SAINT THOMAS AVE, CAMBRIA, CA 93428-5433

Mortgage

Document Number	0000029790
Date	Apr 21, 2021
Instrument	2021029790

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Feb 1, 2051

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 11, 2019
Property Address	2095 SAINT THOMAS AVE, CAMBRIA, CA 93428-5433
Document Number	0000008327
Instrument Date	Feb 28, 2019
Instrument	8327
Transaction Type	Transfer
Record Updated	Mar 20, 2019
Title Company	TICOR TITLE ORANGE COUNTY BR, TICOR TITLE ORANGE CNTY BR

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2095 SAINT THOMAS AVE CAMBRIA CA 934285433, CAMBRIA, CA 93428-5433

Mortgage

Document Number	8328
Date	Mar 11, 2019
Instrument	8328

Lender

Name	POWER CHOICE MORTGAGE
Type	Bank
Address	ALISO VIEJO, CA 92656

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 10, 2049

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 15, 2019
Property Address	2095 SAINT THOMAS AVE, CAMBRIA, CA 93428-5433
Document Number	0000013210
Instrument Date	Feb 28, 2019
Instrument	13210
Transaction Type	Transfer
Record Updated	Apr 24, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2095 SAINT THOMAS AVE CAMBRIA CA 934285433, CAMBRIA, CA 93428-5433

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2095 SAINT THOMAS AVE, CAMBRIA, CA 93428-5433
Document Number	0000009936
Instrument Date	Feb 15, 2017
Transaction Type	Mortgage
Record Updated	Aug 17, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2095 SAINT THOMAS AVE CAMBRIA CA 934285433, CAMBRIA, CA 93428-5433

Mortgage

Document Number	0000009936
Date	Mar 3, 2017
Instrument	9936

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2095 Saint Thomas Ave was $2,865 with a homeowner's exemption, up 2.4% 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		$250,607 (+2%) Land $27,478 Building $223,129
2025	$2,865.00 (+2.43%) Homeowner's exemption	$245,694 Land $26,940 Building $218,754
2024	$2,797.00 (+1.93%)
2023	$2,744.00 (+2.08%) Homeowner's exemption	$236,155 Land $25,895 Building $210,260
2022	$2,688.00

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

Flood

FEMA maps place 2095 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 2095 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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