2911 Ernest Pl, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 2911 Ernest Pl, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,206 sqft · built 1981
Lot Size	0.058 acres (2,525 sqft)
Owner	Individual Name on File
Last Sale	$497,000 (Dec 2017)
Tax Bill	$6,236 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`023-373-015`

Property Details

APN / Parcel Number

Primary APN	`023-373-015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,206 sqft Living Area

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Construction Type	Wood
Lot Area	2,525 sqft (0.058 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2911 ERNEST PL
City	CAMBRIA
State	CA
Zip	93428-5008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES M U 4 BL 86 LT 23
Legal Subdivision	CAMBRIA PINES MANOR 04
Legal Block	86
Legal Lot Number	23
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3065
Census Tract	10403

Owner

2911 Ernest Pl is owned and occupied by an individual who bought it in December 2017.

Source: San Luis Obispo County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	2911 ERNEST PL, CAMBRIA, CA 93428-5008
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 21, 2020	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Dec 5, 2017	Grant Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2017 · Amount on File
Deed Sale	Dec 5, 2017 · Amount on File
Prior Sale	Sep 21, 2005 · Amount on File
Deed Document Number	201755563
Prior Transfer Date	Sep 12, 2005
Prior Transfer Doc	0000079006
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2911 ERNEST PL, CAMBRIA, CA 93428-5008
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044331
Date	Aug 21, 2020
Instrument	2020044331

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 5, 2017
Property Address	2911 ERNEST PL, CAMBRIA, CA 93428-5008
Document Number	0000055563
Map Reference	MB5 PG13
Instrument Date	Nov 2, 2017
Instrument	2017055563
Transaction Type	Transfer
Record Updated	Aug 9, 2021
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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2911 ERNEST PL, CAMBRIA, CA 93428-5008

Mortgage

Document Number	0000055564
Date	Dec 5, 2017
Instrument	2017055564

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2911 Ernest Pl was $6,236 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		$576,804 (+2%) Land $348,173 Building $228,631
2025	$6,236.00 Homeowner's exemption	$565,496 Land $341,347 Building $224,149
2023	$5,987.00 (+2.03%) Homeowner's exemption	$543,539 Land $328,093 Building $215,446
2022	$5,868.00

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

Flood

FEMA maps place 2911 Ernest Pl in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	2 in force

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

Wildfire risk around 2911 Ernest Pl is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 62% of the US · lower than 62% of California
Wildfire Likelihood	0.2% 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 458 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Astound Broadband, Ranch Wifi.

Cell Coverage

5G and 4G LTE (outdoors only)

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