375 Ivar St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 375 Ivar St, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,971 sqft · built 1993
Lot Size	0.121 acres (5,250 sqft)
Owner	Company Name on Record
Last Sale	$865,000 (May 2018)
Tax Bill	$10,650 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jan 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`023-086-043`

Property Details

APN / Parcel Number

Primary APN	`023-086-043`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,971 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Construction Type	Wood
Lot Area	5,250 sqft (0.121 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	375 IVAR ST
City	CAMBRIA
State	CA
Zip	93428-4456
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CPMU 7 BLK 165 LTS 38, 39 & 40
Legal Subdivision	CAMBRIA PINES MANOR
Legal Block	165
Legal Lot Number	38
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1048
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	Company Name on Record
Mailing Address	PO BOX 95, CAMBRIA, CA 93428-0095
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2025	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Jan 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD
Jan 25, 2019	Deed of Trust, Mortgage · Commercial Mortgage TCF NATIONAL BANK
Oct 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD
Nov 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD
May 17, 2018	Grant Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2018 · Amount on Record
Deed Sale	May 17, 2018 · Amount on Record
Deed Document Number	201819906
Prior Transfer Date	Sep 2, 2003
Prior Transfer Doc	0000100344
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	375 IVAR ST, CAMBRIA, CA 93428-4456
Transaction Type	Mortgage
Record Updated	Oct 24, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	375 IVAR ST, CAMBRIA, CA 93428-4456

Mortgage

Document Number	0000029808
Date	Oct 9, 2025
Instrument	2025029808

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	CAMBRIA, CA 93428

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	375 IVAR ST, CAMBRIA, CA 93428-4456
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	PLACER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002827
Date	Jan 25, 2019
Instrument	2019002827

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	375 IVAR ST, CAMBRIA, CA 93428-4456
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	PLACER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002828
Date	Jan 25, 2019
Instrument	2019002828

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 23, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	375 IVAR ST, CAMBRIA, CA 93428-4456
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042914
Date	Oct 7, 2019
Instrument	2019042914

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

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

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	375 IVAR ST, CAMBRIA, CA 93428-4456
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	375 IVAR ST, CAMBRIA, CA 93428-4456

Mortgage

Document Number	0000065968
Date	Nov 13, 2020
Instrument	2020065968

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 17, 2018
Property Address	375 IVAR ST, CAMBRIA, CA 93428-4456
Document Number	0000019906
Map Reference	MB5 PG16
Instrument Date	Apr 30, 2018
Instrument	2018019906
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER TITLE CO

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	PO BOX 95, CAMBRIA, CA 93428-0095

Mortgage

Document Number	0000019907
Date	May 17, 2018
Instrument	2018019907

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

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		$1,003,902 (+2%) Land $551,275 Building $452,627
2025	$10,650.00 (+4.08%) Homeowner's exemption	$984,218 (+4.04%) Land $540,466 Building $443,752
2023	$10,233.00 (+2%) Homeowner's exemption	$946,001 Land $519,480 Building $426,521
2022	$10,032.00

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 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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