San Luis Obispo County property record for 2735 Main St, Cambria, CA 93428
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,527 sqft · built 2003 |
| Lot Size | 7.33 acres (319,730 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $15,917 (2025) |
| Deeds & Mortgages | Mar 2019 Mortgage Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 013-151-047 |
| Primary APN | 013-151-047 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,527 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Construction Type | Wood |
| Lot Area | 319,730 sqft |
| Terrain | Combination |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2735 MAIN ST |
|---|---|
| City | CAMBRIA |
| State | CA |
| Zip | 93428-3411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RMF |
| Legal Description | T27S R8E PTN SEC 23 |
| Legal Subdivision | THE KAETZEL TRACT |
| Legal Block | 1 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 10404 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 2735 MAIN ST, CAMBRIA, CA 93428-3411 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Mar 6, 2019 | Deed of Trust, Mortgage · VA Mortgage NATIONWIDE MORTGAGE BANKERS INC |
| Nov 3, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | May 15, 2006 |
| Transfer Doc | 0000043175 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 2735 MAIN ST, CAMBRIA, CA 93428-3411 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SOLIDIFI TITLE CO OF CA |
| Name | Verified Name |
|---|
| Document Number | 0000007719 |
|---|---|
| Date | Mar 6, 2019 |
| Instrument | 2019007719 |
| Name | NATIONWIDE MORTGAGE BANKERS INC |
|---|---|
| Type | Mortgage Company |
| Address | ENGLEWOOD CLIFFS, NJ 07632 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 2735 MAIN ST, CAMBRIA, CA 93428-3411 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PLACER TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 2735 MAIN ST, CAMBRIA, CA 93428-3411 |
| Document Number | 0000063218 |
|---|---|
| Date | Nov 3, 2020 |
| Instrument | 2020063218 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Unified School District | Coast Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,513,498 (+2%) Land $709,979 Building $803,519 | |
| 2025 | $15,917.00 (+4.03%) Homeowner's exemption | $1,483,822 (+4.04%) Land $696,058 Building $787,764 |
| 2023 | $15,300.00 (+1.99%) Homeowner's exemption | $1,426,205 Land $669,030 Building $757,175 |
| 2022 | $15,001.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 Record 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 77% of the US · above 53% of California |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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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