2545 Emerson Rd, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 2545 Emerson Rd, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,438 sqft · built 1985
Lot Size	0.08 acres (3,500 sqft)
Owner	Individual Name on Record
Last Sale	$417,500 (Jul 2017)
Tax Bill	$5,252 (2025)
Deeds & Mortgages	Nov 2025 Second Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`023-243-027`

Property Details

APN / Parcel Number

Primary APN	`023-243-027`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,438 sqft Living Area

Exterior

Year Built	Built 1985
Construction Type	Wood
Lot Area	3,500 sqft (0.08 acres)
Terrain	Steep

Location & Zoning

Street Address	2545 EMERSON RD
City	CAMBRIA
State	CA
Zip	93428-4818
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES M U 2 BL 22 LT 49
Legal Subdivision	CAMBRIA PINES MANOR
Legal Block	22
Legal Lot Number	49
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2061
Census Tract	10403

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2545 EMERSON RD, CAMBRIA, CA 93428-4818
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SESLOC FCU
May 24, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage KD CAPITAL MORTGAGE CORPORATION
Jul 27, 2017	Grant Deed, Transfer · FHA Mortgage CMG FINANCIAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2017 · Amount on Record
Deed Sale	Jul 27, 2017 · Amount on Record
Prior Sale	Jul 27, 2017 · Amount on Record
Deed Document Number	0000033331
Last Transfer Date	May 24, 2021
Transfer Doc	0000038241
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2545 EMERSON RD, CAMBRIA, CA 93428-4818
Transaction Type	Mortgage
Record Updated	Jan 6, 2026
Title Company	PLACER TITLE COMPANY, PLACER TITLE COMPANY CAMER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2545 EMERSON RD, CAMBRIA, CA 93428-4818

Mortgage

Document Number	0000036310
Date	Nov 24, 2025
Instrument	2025036310

Lender

Name	SESLOC FCU
Type	Credit Union
Address	SAN LUIS OBISPO, CA 93401

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2045

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 24, 2021
Property Address	2545 EMERSON RD, CAMBRIA, CA 93428-4818
Document Number	0000038241
Map Reference	MB 5 PG 10
Instrument Date	May 18, 2021
Instrument	2021038241
Transaction Type	Transfer
Record Updated	Jun 2, 2021
Title Company	PLACER TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2545 EMERSON RD, CAMBRIA, CA 93428-4818

Mortgage

Document Number	0000038242
Date	May 24, 2021
Instrument	2021038242

Lender

Name	KD CAPITAL MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 27, 2017
Property Address	2545 EMERSON RD, CAMBRIA, CA 93428-4818
Document Number	0000033331
Map Reference	MB5 PG10
Instrument Date	Jun 22, 2017
Instrument	2017033331
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN 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	Joint Tenants
Address	2545 EMERSON RD, CAMBRIA, CA 93428-4818

Mortgage

Document Number	0000033332
Date	Jul 27, 2017
Instrument	2017033332

Lender

Name	CMG FINANCIAL
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of July 1, 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	$5,252.00 (+4.19%) Homeowner's exemption	$472,194 (+4.04%) Land $227,563 Building $244,631
2023	$5,041.00 (+2.04%) Homeowner's exemption	$453,860 Land $218,727 Building $235,133
2022	$4,940.00

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
Flood Insurance Cost	Premium on Record median of 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	8 (1995–2021)
Claims Outside the SFHA	6 of 8
Most Recent Claim	Jan 2021 · tidal / storm surge
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 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

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

Wildfire Risk	Low lower than 65% of the US · lower than 79% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 392 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

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

Cell Coverage

4G LTE only, no 5G reported

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