2598 Emerson Rd, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 2598 Emerson Rd, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,311 sqft · built 1981
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$467,500 (Oct 2017)
Tax Bill	$6,002 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jan 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`023-243-045`

Property Details

APN / Parcel Number

Primary APN	`023-243-045`
Alternative APN	`023243031`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	3 Stories
Building Area	1,311 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Construction Type	Wood
Lot Area	7,000 sqft (0.161 acres)
Terrain	Below Road/Slope
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Sewer	Connected

Location & Zoning

Old Parcel Number	023243031
Street Address	2598 EMERSON RD
City	CAMBRIA
State	CA
Zip	93428-4819
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES M U 2 BL 22 LTS 33 34 35 & 36
Legal Subdivision	CAMBRIA PINES MANOR 02
Legal Block	22
Legal Lot Number	33
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 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	2598 EMERSON RD, CAMBRIA, CA 93428-4819
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage KD CAPITAL MORTGAGE CORPORATION
Jan 2, 2020	Loan Modification, Mortgage PLACER TITLE COMPANY, PLACER TITLE CO.
Oct 4, 2017	Grant Deed, Transfer · Conventional Mortgage KD CAPITAL MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2017 · Amount on Record
Deed Sale	Oct 4, 2017 · Amount on Record
Prior Sale	Feb 13, 2015 · Amount on Record
Deed Document Number	201744517
Prior Transfer Date	Feb 20, 1997
Prior Transfer Doc	0000008072
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2598 EMERSON RD, CAMBRIA, CA 93428-4819
Transaction Type	Mortgage
Record Updated	Aug 9, 2021
Title Company	PLACER TITLE COMPANY/NCS, PLACER TITLE COMPANY PASO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040213
Date	Jun 2, 2021
Instrument	2021040213

Lender

Name	KD CAPITAL MORTGAGE CORPORATION
Type	Mortgage Company
Address	PASO ROBLES, CA 93446

Agreement

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

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2598 EMERSON RD, CAMBRIA, CA 93428-4819
Document Number	0000073710
Instrument Date	Jan 2, 2020
Transaction Type	Mortgage
Record Updated	Dec 23, 2020
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2598 EMERSON RD CAMBRIA CA 934284819, CAMBRIA, CA 93428-4819

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 4, 2017
Property Address	2598 EMERSON RD, CAMBRIA, CA 93428-4819
Document Number	0000044517
Map Reference	MB5 PG10
Instrument Date	Aug 28, 2017
Instrument	2017044517
Transaction Type	Transfer
Record Updated	Aug 9, 2021
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	Joint Tenants
Address	PO BOX 1263, PASO ROBLES, CA 93447-1263

Mortgage

Document Number	0000044518
Date	Oct 4, 2017
Instrument	2017044518

Lender

Name	KD CAPITAL MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

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		$554,174 (+2%) Land $301,749 Building $252,425
2025	$6,002.00 (+4.17%) Homeowner's exemption	$543,309 (+4.04%) Land $295,833 Building $247,476
2023	$5,762.00 (+2.04%) Homeowner's exemption	$522,214 Land $284,347 Building $237,867
2022	$5,647.00

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

Nearby Properties on Emerson Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures