387 Kerwin St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 387 Kerwin St, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,901 sqft · built 1983
Lot Size	0.119 acres (5,164 sqft)
Owner	2 Individual Names on Record
Tax Bill	$10,475 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Jun 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`023-088-050`

Property Details

APN / Parcel Number

Primary APN	`023-088-050`
Alternative APN	`023088027`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,901 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Construction Type	Wood
Lot Area	5,164 sqft (0.119 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Old Parcel Number	023088027
Street Address	387 KERWIN ST
City	CAMBRIA
State	CA
Zip	93428-4462
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES M U 7 BL 163 LTS 41 42 & 43
Legal Subdivision	CAMBRIA PINES MANOR 07
Legal Block	163
Legal Lot Number	41
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1050
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	2 Individual Names on Record
Mailing Address	387 KERWIN ST, CAMBRIA, CA 93428-4462
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2020	Grant Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Jun 18, 2020	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 5, 2004
Transfer Doc	0000040754
Record Updated	Sep 20, 2026

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 28, 2020
Property Address	387 KERWIN ST, CAMBRIA, CA 93428-4462
Document Number	0000077206
Map Reference	MB 5 PG 16
Instrument Date	Nov 24, 2020
Instrument	2020077206
Transaction Type	Transfer
Record Updated	Jul 25, 2022
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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	227 PRINCETON AVE, CLAREMONT, CA 91711-4841

Mortgage

Document Number	0000077207
Date	Dec 28, 2020
Instrument	2020077207

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

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

June 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 18, 2020
Property Address	387 KERWIN ST, CAMBRIA, CA 93428-4462
Document Number	0000030002
Instrument Date	May 20, 2020
Instrument	30002
Transaction Type	Transfer
Record Updated	Jun 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	19525 AVENUE 192 STRATHMORE CA 932679746, STRATHMORE, CA 93267-9746

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		$987,043 (+2%) Land $496,834 Building $490,209
2025	$10,475.00 (+4.07%) Homeowner's exemption	$967,691 (+4.04%) Land $487,093 Building $480,598
2023	$10,065.00 (+2%) Homeowner's exemption	$930,117 Land $468,180 Building $461,937
2022	$9,868.00

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

Nearby Properties on Kerwin St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures