2292 Main St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 2292 Main St, Cambria, CA 93428

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Lot Size	0.115 acres (5,000 sqft)
Owner	Company Name on Record
Last Sale	$750,000 (Jun 2014)
Tax Bill	$11,059 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Sep 2022 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`013-263-006`

Property Details

APN / Parcel Number

Primary APN	`013-263-006`

Exterior

Lot Area	5,000 sqft (0.115 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	2292 MAIN ST
City	CAMBRIA
State	CA
Zip	93428-3018
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	CR
Legal Description	TN CAMBRIA BL A LT 1
Legal Subdivision	PLAT ID A13 26
Legal Block	A
Legal Lot Number	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1060
Census Tract	10404

Owner

Source: San Luis Obispo County records, as of July 13, 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	459 W TEFFT ST, NIPOMO, CA 93444-9777
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2023	Deed of Trust, Mortgage · Line of Credit COASTHILLS CU
Sep 13, 2022	Quit Claim Deed, Transfer Quitclaim
Nov 18, 2019	Deed of Trust, Mortgage · Line of Credit COASTHILLS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2014 · Amount on Record
Deed Sale	Jun 3, 2014 · Amount on Record
Prior Sale	Jan 26, 2005 · Amount on Record
Deed Document Number	201421748
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2292 MAIN ST, CAMBRIA, CA 93428-3018
Transaction Type	Mortgage
Record Updated	Aug 17, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	459 W TEFFT ST, NIPOMO, CA 93444-9777

Mortgage

Document Number	0000015277
Date	Jun 1, 2023
Instrument	2023015277

Lender

Name	COASTHILLS CU
Type	Credit Union
Address	SANTA MARIA, CA 93456

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Jun 10, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 13, 2022
Property Address	2292 MAIN ST, CAMBRIA, CA 93428-3018
Document Number	0000036543
Instrument Date	Sep 9, 2022
Instrument	2022036543
Transaction Type	Transfer
Record Updated	Sep 28, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	459 W TEFFT ST, NIPOMO, CA 93444-9777

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2292 MAIN ST, CAMBRIA, CA 93428-3018
Document Number	0000053518
Instrument Date	Nov 18, 2019
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2292 MAIN ST CAMBRIA CA 934283018, CAMBRIA, CA 93428-3018

Mortgage

Document Number	0000053518
Date	Nov 27, 2019
Instrument	53518

Lender

Name	COASTHILLS CU
Address	LOMPOC, CA 93436

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of August 6, 2025

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
2025	$11,059.00 (+1.16%)	$991,712 (-0.69%) Land $490,338 Building $501,374
2024	$10,932.00 (-1.44%)
2023	$11,092.00 (+2.49%)	$998,574 Land $471,299 Building $527,275
2022	$10,823.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	21 (1986–2026)
Claims Outside the SFHA	4 of 21
Most Recent Claim	Jan 2026 · rainfall accumulation
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 3 claims Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 8 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	Moderate above 59% of the US · lower than 64% of California
Wildfire Likelihood	0.1% 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 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband, T-Mobile, Verizon.

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