350 Kerwin St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 350 Kerwin St, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,052 sqft · built 1983
Lot Size	0.161 acres (7,000 sqft)
Owner	Company Name on File
Last Sale	$906,000 (Sep 2017)
Tax Bill	$11,215 (2025)
Deeds & Mortgages	Jan 2024 Transfer Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`023-089-032`

Property Details

APN / Parcel Number

Primary APN	`023-089-032`
Alternative APN	`023-089-041`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,052 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Construction Type	Wood
Lot Area	7,000 sqft (0.161 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Old Parcel Number	023089032
Street Address	350 KERWIN ST
City	CAMBRIA
State	CA
Zip	93428-4461
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES M U 7 BL 162 LTS 10 TO 13
Legal Subdivision	CAMBRIA PINES MANOR 07
Legal Block	162
Legal Lot Number	10
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1051
Census Tract	10403

Owner

Source: San Luis Obispo County assessment roll, 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 File
Mailing Address	4925 BEAR MOUNTAIN BLVD, BAKERSFIELD, CA 93313-9773
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2024	Intrafamily Transfer, Transfer
Nov 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST
Sep 8, 2017	Grant Deed, Transfer BANK OF THE WEST

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 8, 2017 · Amount on Record
Deed Sale	Sep 8, 2017 · Amount on Record
Prior Sale	Jul 15, 2014 · Amount on Record
Deed Document Number	201740251
Last Transfer Date	Jan 17, 2024
Transfer Doc	0000002327
Record Updated	Sep 20, 2026

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 29, 2024
Property Address	350 KERWIN ST, CAMBRIA, CA 93428-4461
Document Number	0000002327
Map Reference	MB 5 PG 16
Instrument Date	Jan 17, 2024
Instrument	2024002327
Transaction Type	Transfer
Record Updated	Feb 7, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	4925 BEAR MOUNTAIN BLVD, BAKERSFIELD, CA 93313-9773

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	350 KERWIN ST, CAMBRIA, CA 93428-4461
Transaction Type	Mortgage
Record Updated	Aug 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4925 BEAR MOUNTAIN BLVD, BAKERSFIELD, CA 93313-9773

Mortgage

Document Number	0000074634
Date	Nov 8, 2021
Instrument	2021074634

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

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

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 8, 2017
Property Address	350 KERWIN ST, CAMBRIA, CA 93428-4461
Document Number	0000040251
Instrument Date	Jun 29, 2017
Instrument	40251
Transaction Type	Transfer
Record Updated	Sep 21, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$996.00
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4925 BEAR MOUNTAIN BLVD BAKERSFIELD CA 933139773, BAKERSFIELD, CA 93313-9773

Mortgage

Document Number	40252
Date	Sep 8, 2017
Instrument	40252

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 7, 2047

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		$1,051,482 (+2%) Land $626,712 Building $424,770
2025	$11,215.00 (+4.04%)	$1,030,866 (+4.04%) Land $614,424 Building $416,442
2023	$10,780.00	$990,838 Land $590,566 Building $400,272

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 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	8 (1983–2023)
Claims Outside the SFHA	6 of 8
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 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 67% of the US · lower than 81% of California
Wildfire Likelihood	0.03% 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.

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 382 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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