2623 Main St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 2623 Main St, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 762 sqft · built 1922
Lot Size	0.574 acres (25,000 sqft)
Owner	Individual Name on File
Last Sale	$481,500 (May 2017)
Tax Bill	$6,166 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Jul 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`013-241-025`

Property Details

APN / Parcel Number

Primary APN	`013-241-025`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	762 sqft Living Area
1st Floor Area	762 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Construction Type	Wood
Lot Area	25,000 sqft (0.574 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	2623 MAIN ST
City	CAMBRIA
State	CA
Zip	93428-3409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF
Legal Description	RHO STA ROSA PTN
Legal Subdivision	PLAT ID A13 24
Legal Block	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1004
Census Tract	10404

Owner

Source: San Luis Obispo County records, as of August 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	2623 MAIN ST, CAMBRIA, CA 93428-3409
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jul 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Sep 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Sep 18, 2019	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC
May 5, 2018	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC
May 31, 2017	Grant Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2017 · Amount on File
Deed Sale	May 31, 2017 · Amount on File
Prior Sale	Nov 26, 2014 · Amount on File
Deed Document Number	201723798
Prior Transfer Date	May 18, 1998
Prior Transfer Doc	0000038187
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2623 MAIN ST, CAMBRIA, CA 93428-3409
Transaction Type	Mortgage
Record Updated	Sep 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2623 MAIN ST, CAMBRIA, CA 93428-3409

Mortgage

Document Number	0000037038
Date	Sep 19, 2022
Instrument	2022037038

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Sep 15, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2623 MAIN ST, CAMBRIA, CA 93428-3409
Transaction Type	Mortgage
Record Updated	Jul 23, 2021
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2623 MAIN ST, CAMBRIA, CA 93428-3409

Mortgage

Document Number	0000049044
Date	Jul 14, 2021
Instrument	2021049044

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2623 MAIN ST, CAMBRIA, CA 93428-3409
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000050849
Date	Sep 17, 2020
Instrument	2020050849

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2623 MAIN ST, CAMBRIA, CA 93428-3409
Document Number	0000045650
Instrument Date	Sep 18, 2019
Transaction Type	Mortgage
Record Updated	Oct 25, 2019
Title Company	AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2623 MAIN ST CAMBRIA CA 934283409, CAMBRIA, CA 93428-3409

Mortgage

Document Number	0000045650
Date	Oct 17, 2019
Instrument	45650

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 16, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2623 MAIN ST, CAMBRIA, CA 93428-3409
Document Number	0000019374
Instrument Date	May 5, 2018
Transaction Type	Mortgage
Record Updated	May 28, 2018
Title Company	BNT TITLE COMPANY/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2623 MAIN ST CAMBRIA CA 934283409, CAMBRIA, CA 93428-3409

Mortgage

Document Number	0000019374
Date	May 14, 2018
Instrument	19374

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 13, 2048

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 31, 2017
Property Address	2623 MAIN ST, CAMBRIA, CA 93428-3409
Document Number	0000023798
Instrument Date	May 8, 2017
Instrument	2017023798
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
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 with Right of Survivorship
Address	2623 MAIN ST, CAMBRIA, CA 93428-3409

Mortgage

Document Number	0000023799
Date	May 31, 2017
Instrument	2017023799

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 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		$569,990 (+2%) Land $414,325 Building $155,665
2025	$6,166.00 (+4.16%) Homeowner's exemption	$558,814 (+4.04%) Land $406,201 Building $152,613
2023	$5,920.00 (+2.03%) Homeowner's exemption	$537,117 Land $390,429 Building $146,688
2022	$5,802.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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	High above 84% of the US · above 64% of California
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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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