2728 Wilton Dr, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 2728 Wilton Dr, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,076 sqft · built 1974
Lot Size	0.121 acres (5,250 sqft)
Owner	2 Individual Names on File
Last Sale	$799,000 (Aug 2023)
Tax Bill	$8,651 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`023-214-043`

Property Details

APN / Parcel Number

Primary APN	`023-214-043`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,076 sqft Living Area
1st Floor Area	1,076 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Wood
Lot Area	5,250 sqft (0.121 acres)
Terrain	Steep
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	2728 WILTON DR
City	CAMBRIA
State	CA
Zip	93428-4216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES M U 1 BL 17 LTS 38 TO 40
Legal Subdivision	CAMBRIA PINES MANOR
Legal Block	17
Legal Lot Number	38
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2016
Census Tract	10404

Owner

2728 Wilton Dr is owned and occupied by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	2728 WILTON DR, CAMBRIA, CA 93428-4216
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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

Date	Document
Aug 28, 2023	Grant Deed, Transfer · VA Mortgage GUARANTEED RATE INC
Feb 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONS DIRECT MORTGAGE LLC
Apr 28, 2017	Grant Deed, Transfer · Conventional Mortgage SKYLINE FINANCIAL CORP
Mar 17, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2023 · Amount on File
Deed Sale	Aug 28, 2023 · Amount on File
Prior Sale	Apr 28, 2017 · Amount on File
Deed Document Number	202325386
Prior Transfer Date	Mar 15, 2017
Prior Transfer Doc	0000012114
Record Updated	Oct 29, 2026

August 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 28, 2023
Property Address	2728 WILTON DR, CAMBRIA, CA 93428-4216
Document Number	0000025386
Map Reference	MB 5 PG 8
Instrument Date	Aug 7, 2023
Instrument	2023025386
Transaction Type	Transfer
Record Updated	Sep 8, 2023
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2728 WILTON DR, CAMBRIA, CA 93428-4216

Mortgage

Document Number	0000025387
Date	Aug 28, 2023
Instrument	2023025387

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2728 WILTON DR, CAMBRIA, CA 93428-4216
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007239
Date	Feb 14, 2020
Instrument	2020007239

Lender

Name	NATIONS DIRECT MORTGAGE LLC
Type	Mortgage Company
Address	SANTA ANA, CA 92707

Agreement

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

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 28, 2017
Property Address	2728 WILTON DR, CAMBRIA, CA 93428-4216
Document Number	0000018334
Map Reference	MB5 PG8
Instrument Date	Mar 23, 2017
Instrument	2017018334
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	PLACER 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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2728 WILTON DR, CAMBRIA, CA 93428-4216

Mortgage

Document Number	0000018335
Date	Apr 28, 2017
Instrument	2017018335

Lender

Name	SKYLINE FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 17, 2017
Property Address	2728 WILTON DR, CAMBRIA, CA 93428-4216
Document Number	0000012114
Instrument Date	Mar 15, 2017
Instrument	12114
Transaction Type	Transfer
Record Updated	Mar 31, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	125 CORNERSTONE LN ARROYO GRANDE CA 934204429, ARROYO GRANDE, CA 93420-4429

Tax Assessment & Valuation

The 2025 property tax bill for 2728 Wilton Dr was $8,651 with a homeowner's exemption.

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		$810,471 (+2%) Land $442,170 Building $368,301
2025	$8,651.00 Homeowner's exemption	$794,580 Land $433,500 Building $361,080
2023	$5,016.00 (+2.01%)	$444,529 Land $267,722 Building $176,807
2022	$4,917.00

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

Flood

FEMA maps place 2728 Wilton Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 22, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2728 Wilton Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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 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

5G (outdoors only) and 4G LTE

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