2840 Main St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 2840 Main St, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,528 sqft · built 1960
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,250,000 (Oct 2021)
Tax Bill	$14,123 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`013-151-008`

Property Details

APN / Parcel Number

Primary APN	`013-151-008`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,528 sqft Living Area
1st Floor Area	1,528 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Construction Type	Wood
Lot Area	87,120 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	2840 MAIN ST
City	CAMBRIA
State	CA
Zip	93428-3501
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	RHO STA ROSA PTN
Legal Subdivision	RANCHO SANTA ROSA
Legal Block	2
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2000
Census Tract	10404

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	2840 MAIN ST, CAMBRIA, CA 93428-3501
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2021 · Amount on Record
Deed Sale	Oct 6, 2021 · Amount on Record
Deed Document Number	202167683
Prior Transfer Date	Mar 28, 2013
Prior Transfer Doc	0000019290
Record Updated	Oct 29, 2026

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 6, 2021
Property Address	2840 MAIN ST, CAMBRIA, CA 93428-3501
Document Number	0000067683
Map Reference	MB A PG 42
Instrument Date	Jul 27, 2021
Instrument	2021067683
Transaction Type	Transfer
Record Updated	Oct 15, 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	2840 MAIN ST, CAMBRIA, CA 93428-3501

Mortgage

Document Number	0000067684
Date	Oct 6, 2021
Instrument	2021067684

Lender

Name	GOLD STANDARD MORTGAGE
Type	Non-Lending Institution

Agreement

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

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		$1,353,040 (+2%) Land $811,824 Building $541,216
2025	$14,123.00 (+3.98%)	$1,326,510 (+4.04%) Land $795,906 Building $530,604
2023	$13,582.00 (+1.97%)	$1,275,000 Land $765,000 Building $510,000
2022	$13,319.00

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

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

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.

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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