2750 Emerson Rd, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 2750 Emerson Rd, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,422 sqft · built 1984
Lot Size	0.294 acres (12,785 sqft)
Owner	2 Individual Names on Record
Last Sale	$860,000 (Aug 2022)
Tax Bill	$9,780 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`023-223-036`

Property Details

APN / Parcel Number

Primary APN	`023-223-036`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,422 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Construction Type	Wood
Lot Area	12,785 sqft (0.294 acres)
Terrain	Below Road/Slope
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	2750 EMERSON RD
City	CAMBRIA
State	CA
Zip	93428-4763
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES M U2 BL 21 LTS 1 THRU 7
Legal Subdivision	CAMBRIA PINES MANOR 02
Legal Block	21
Legal Lot Number	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2058
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	2750 EMERSON RD, CAMBRIA, CA 93428-4763
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2022	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Mar 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Oct 28, 2019	Grant Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Nov 16, 2017	Quit Claim Deed, Transfer Quitclaim
Nov 16, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2022 · Amount on Record
Deed Sale	Aug 10, 2022 · Amount on Record
Prior Sale	Oct 28, 2019 · Amount on Record
Deed Document Number	202232460
Prior Transfer Date	Nov 3, 2017
Prior Transfer Doc	0000052697
Record Updated	Oct 29, 2026

August 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 10, 2022
Property Address	2750 EMERSON RD, CAMBRIA, CA 93428-4763
Document Number	0000032460
Map Reference	MB 5 PG 10
Instrument Date	Jul 21, 2022
Instrument	2022032460
Transaction Type	Transfer
Record Updated	Aug 30, 2022
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	Community Property with Right of Survivorship
Address	2750 EMERSON RD, CAMBRIA, CA 93428-4763

Mortgage

Document Number	0000032461
Date	Aug 10, 2022
Instrument	2022032461

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Sep 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	6.12%
Index	Other
Max Rate	9.12%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2750 EMERSON RD, CAMBRIA, CA 93428-4763
Transaction Type	Mortgage
Record Updated	Apr 1, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2750 EMERSON RD, CAMBRIA, CA 93428-4763

Mortgage

Document Number	0000021885
Date	Mar 23, 2021
Instrument	2021021885

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

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

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 28, 2019
Property Address	2750 EMERSON RD, CAMBRIA, CA 93428-4763
Document Number	0000047607
Map Reference	MB 5 PG 10
Instrument Date	Aug 19, 2019
Instrument	2019047607
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	Community Property with Right of Survivorship
Address	2750 EMERSON RD, CAMBRIA, CA 93428-4763

Mortgage

Document Number	0000047608
Date	Oct 28, 2019
Instrument	2019047608

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 16, 2017
Property Address	2750 EMERSON RD, CAMBRIA, CA 93428-4763
Document Number	0000052698
Instrument Date	Nov 3, 2017
Instrument	52698
Transaction Type	Transfer
Record Updated	Nov 27, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 16, 2017
Property Address	2750 EMERSON RD, CAMBRIA, CA 93428-4763
Document Number	0000052697
Instrument Date	Nov 3, 2017
Instrument	52697
Transaction Type	Transfer
Record Updated	Nov 27, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	PO BOX 2413 CARMEL VALLEY CA 939242413, CARMEL VALLEY, CA 93924-2413

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		$912,638 (+2%) Land $477,543 Building $435,095
2025	$9,780.00 (+2.28%)	$894,744 (+4.04%) Land $468,180 Building $426,564
2024	$9,562.00 (+1.72%)
2023	$9,400.00 (+35.6%)	$860,000 Land $450,000 Building $410,000
2022	$6,932.00

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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