3045 Main St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 3045 Main St, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,756 sqft · built 1978
Lot Size	8 acres (348,480 sqft)
Owner	Company Name on Record
Last Sale	$800,000 (Mar 2017)
Tax Bill	$9,927 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Nov 2017 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`013-151-026`

Property Details

APN / Parcel Number

Primary APN	`013-151-026`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,756 sqft Living Area
1st Floor Area	1,756 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Wood
Lot Area	348,480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3045 MAIN ST
City	CAMBRIA
State	CA
Zip	93428-3507
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	RHO STA ROSA PTN
Legal Subdivision	SANTA ROSA RHO
Legal Block	1
Legal Lot Number	3
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1087
Census Tract	13000

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	Company Name on Record
Mailing Address	3045 MAIN ST, CAMBRIA, CA 93428-3507
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2018	Deed of Trust, Mortgage JMJ FUNDING GROUP INC
Nov 15, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 10, 2017	Grant Deed, Transfer · Conventional Mortgage ATHAS CAP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2017 · Amount on Record
Deed Sale	Mar 10, 2017 · Amount on Record
Prior Sale	Jul 22, 1998 · Amount on Record
Deed Document Number	201710834
Prior Transfer Date	Feb 22, 1995
Prior Transfer Doc	0000010859
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	3045 MAIN ST, CAMBRIA, CA 93428-3507
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025117
Date	Jun 19, 2018
Instrument	2018025117

Lender

Name	JMJ FUNDING GROUP INC
Type	Mortgage Company
Address	GARDEN GROVE, CA 92840

Agreement

Amount	Amount Recorded

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 15, 2017
Property Address	3045 MAIN ST, CAMBRIA, CA 93428-3507
Document Number	0000052571
Instrument Date	Nov 8, 2017
Instrument	52571
Transaction Type	Transfer
Record Updated	Nov 23, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	6430 CAMBRIA PINES RD CAMBRIA CA 934282009, CAMBRIA, CA 93428-2009

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 10, 2017
Property Address	3045 MAIN ST, CAMBRIA, CA 93428-3507
Document Number	0000010834
Instrument Date	Jan 23, 2017
Instrument	10834
Transaction Type	Transfer
Record Updated	Mar 30, 2017
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$880.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6430 CAMBRIA PINES RD CAMBRIA CA 934282009, CAMBRIA, CA 93428-2009

Mortgage

Document Number	10835
Date	Mar 10, 2017
Instrument	10835

Lender

Name	ATHAS CAP
Type	Funding / Finance Company
Address	CALABASAS HILLS, CA 91301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$947,033 (+2%) Land $591,897 Building $355,136
2025	$9,927.00 (+3.99%)	$928,465 (+4.04%) Land $580,292 Building $348,173
2023	$9,546.00 (+1.98%)	$892,413 Land $557,759 Building $334,654
2022	$9,361.00

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
Nearby Flood Policies	6 units insured incl. 4 condo units

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	High above 83% of the US · above 63% of California
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Astound Broadband, Ranch Wifi.

Cell Coverage

5G (outdoors only) and 4G LTE

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