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2397 Kerry Ave, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 2397 Kerry Ave, Cambria, CA 93428

Property Summary

Property TypeSingle Family Home
Details2 bd · 3 ba · 1,198 sqft · built 1971
Lot Size0.28 acres (12,218 sqft)
Owner2 Individual Names on File
Last Sale$490,000 (Dec 2013)
Tax Bill$5,986 (2025)
Deeds & MortgagesJan 2021 Mortgage
Apr 2017 Loan Modification
Flood ZoneZone X (minimal risk)
APN023-364-029

Property Details

APN / Parcel Number

Primary APN023-364-029

Interior

Bedrooms2 Beds
Full Baths3 Baths
Total Rooms4 Rooms
Building Area1,198 sqft Living Area

Exterior

Year BuiltBuilt 1971
Construction TypeWood
Lot Area12,218 sqft (0.28 acres)

Location & Zoning

Street Address2397 KERRY AVE
CityCAMBRIA
StateCA
Zip93428-5213
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRSF
Legal DescriptionCAM PINES M U 4 BL 81 LTS 1 TO 3 & 20 TO 23
Legal Block81
Legal Lot Number1
JurisdictionSAN LUIS OBISPO CA
Township / Civil DivisionNORTH COAST
Census Block Group3
Census Block3064
Census Tract10403

Owner

2397 Kerry Ave is owned and occupied by two individuals who acquired it in February 2016.

Source: San Luis Obispo County records, as of September 29, 2025

Owner of Record2 Individual Names on File
Mailing Address2397 KERRY AVE, CAMBRIA, CA 93428-5213
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jan 21, 2021Deed of Trust, Mortgage · Conventional Mortgage
AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
Apr 10, 2017Loan Modification, Mortgage
FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 12, 2013 · Amount on File
Deed SaleDec 12, 2013 · Amount on File
Prior SaleDec 12, 2013 · Amount on File
Deed Document Number0000067808
Last Transfer DateFeb 29, 2016
Transfer Doc0000008766
Record UpdatedJun 8, 2026

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN LUIS OBISPO CA
Property Address2397 KERRY AVE, CAMBRIA, CA 93428-5213
Transaction TypeMortgage
Record UpdatedJul 25, 2022
Title CompanyCHICAGO TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address2397 KERRY AVE, CAMBRIA, CA 93428-5213

Mortgage

Document Number0000004464
DateJan 21, 2021
Instrument2021004464
Lender
NameAMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
TypeMortgage Company
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2051

April 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionSAN LUIS OBISPO CA
Property Address2397 KERRY AVE, CAMBRIA, CA 93428-5213
Document Number0000023519
Instrument DateApr 10, 2017
Transaction TypeMortgage
Record UpdatedNov 28, 2018
Title CompanyFIDELITY NATIONAL TITLE

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife

Tax Assessment & Valuation

The 2025 property tax bill for 2397 Kerry Ave was $5,986 with a homeowner's exemption.

Source: San Luis Obispo County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateCalifornia
CountySan Luis Obispo County
Unified School DistrictCoast Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2025$5,986.00 Homeowner's exemption$541,818 Land $265,161 Building $276,657
2023$5,747.00 (+2.04%) Homeowner's exemption$520,780 Land $254,865 Building $265,915
2022$5,632.00

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

Flood

FEMA maps place 2397 Kerry Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 22, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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

Wildfire risk around 2397 Kerry Ave is moderate, ranking above 45% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 45% of the US · lower than 73% of California
Wildfire Likelihood0.07% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemCAMBRIA COMM SERVICES DIST
serves 6,038 people · EPA ID CA4010014
Water SourceGroundwater
Last State InspectionApr 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTreatment failure
resolved · Jul 2022
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

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

May also be available: Astound Broadband, Ranch Wifi.

Cell Coverage

4G LTE only, no 5G reported

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