2155 Spencer St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 2155 Spencer St, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,210 sqft · built 1985
Lot Size	0.084 acres (3,640 sqft)
Owner	2 Individual Names on Record
Last Sale	$785,000 (Dec 2025)
Tax Bill	$6,439 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Mar 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`024-063-078`

Property Details

APN / Parcel Number

Primary APN	`024-063-078`
Alternative APN	`024063007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,210 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Construction Type	Wood
Lot Area	3,640 sqft (0.084 acres)
Terrain	Above Road/Slope
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2155 SPENCER ST
City	CAMBRIA
State	CA
Zip	93428-5310
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES M U 6 BL 134 LTS 11 & 12
Legal Subdivision	CAMBRIA PINES MANOR 06
Legal Block	134
Legal Lot Number	11,12
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3031
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	2 Individual Names on Record
Mailing Address	587 HAGEMANN DR, LIVERMORE, CA 94551-6037
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2025	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Mar 21, 2024	Intrafamily Transfer, Transfer
Mar 8, 2024	Trustee's Deed, Foreclosure PACIFIC VA TITLE, PACIFIC COAST TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2025 · Amount on Record
Deed Sale	Dec 30, 2025 · Amount on Record
Prior Sale	Aug 6, 2024 · Amount on Record
Deed Document Number	202540085
Prior Transfer Date	Mar 18, 2024
Prior Transfer Doc	0000007366
Record Updated	Sep 20, 2026

December 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 30, 2025
Property Address	2155 SPENCER ST, CAMBRIA, CA 93428-5310
Document Number	0000040085
Map Reference	MB 5 PG 15
Instrument Date	Dec 4, 2025
Instrument	2025040085
Transaction Type	Transfer
Record Updated	Jan 14, 2026
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	587 HAGERNANN DRIVE, LIVERMORE, CA 94551

Mortgage

Document Number	0000040086
Date	Dec 30, 2025
Instrument	2025040086

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 21, 2024
Property Address	2155 SPENCER ST, CAMBRIA, CA 93428-5310
Document Number	0000007366
Map Reference	MB 5 PG 15
Instrument Date	Mar 18, 2024
Instrument	2024007366
Transaction Type	Transfer
Record Updated	Apr 1, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2015 MANHATTAN BEACH BLVD STE 100, 100, REDONDO BEACH, CA 90278-1230

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2015 MANHATTAN BEACH BLVD STE 100, 100, REDONDO BEACH, CA 90278-1230

March 2024: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 8, 2024
Property Address	2155 SPENCER ST, CAMBRIA, CA 93428-5310
Document Number	0000006100
Map Reference	MB 5 PG 15
Instrument Date	Feb 20, 2024
Instrument	2024006100
Transaction Type	Foreclosure
Record Updated	Mar 20, 2024
Title Company	PACIFIC VA TITLE, PACIFIC COAST TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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		$785,000 (+33.05%) Land $400,000 Building $385,000
2025	$6,439.00 (-0.31%)	$590,000 (+7.9%) Land $400,000 Building $190,000
2023	$6,459.00 (+6.16%)	$546,821 Land $321,660 Building $225,161
2022	$6,084.00

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
Nearby Flood Policies	2 in force

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	Moderate above 57% of the US · lower than 66% of California
Wildfire Likelihood	0.2% 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 458 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Astound Broadband, Ranch Wifi.

Cell Coverage

5G (outdoors only) and 4G LTE

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