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399 Lancaster St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 399 Lancaster St, Cambria, CA 93428

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,620 sqft · built 1976
Lot Size0.049 acres (2,140 sqft)
Owner2 Individual Names on File
Last Sale$807,000 (Feb 2020)
Tax Bill$9,652 (2025)
Deeds & MortgagesDec 2021 Mortgage
Mar 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN022-291-015

Property Details

APN / Parcel Number

Primary APN022-291-015

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area1,620 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1976
Effective Year BuiltEffective 1976
Construction TypeWood
Lot Area2,140 sqft (0.049 acres)
TerrainBelow Road/Slope
Parking Spaces3 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemForced Air with A/C
SewerConnected

Location & Zoning

Street Address399 LANCASTER ST
CityCAMBRIA
StateCA
Zip93428-3247
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRSF
Legal DescriptionCAM PINES U 5 BL 68 LT 17
Legal SubdivisionCAMBRIA PINES 05
Legal Block68
Legal Lot Number17
JurisdictionSAN LUIS OBISPO CA
Township / Civil DivisionNORTH COAST
Census Block Group2
Census Block2043
Census Tract10403

Owner

399 Lancaster St is owned by two individuals who bought it in February 2020.

Source: San Luis Obispo County records, as of August 6, 2026

Owner of Record2 Individual Names on File
Mailing Address582 BEST RD, PLEASANT HILL, CA 94523-2104
Owner TypeIndividual

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

DateDocument
Dec 8, 2021Deed of Trust, Mortgage · Conventional Mortgage
BETTER MORTGAGE CORPORATION
Mar 27, 2020Deed of Trust, Mortgage · Conventional Mortgage
ENVOY MORTGAGE LTD
Oct 3, 2018Trustee's Deed, Foreclosure
OTHER

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 7, 2020 · Amount on File
Deed SaleFeb 7, 2020 · Amount on File
Prior SaleOct 3, 2018 · Amount on File
Deed Document Number20206283
Prior Transfer DateFeb 23, 2005
Prior Transfer Doc0000017648
Record UpdatedOct 29, 2026

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN LUIS OBISPO CA
Property Address399 LANCASTER ST, CAMBRIA, CA 93428-3247
Transaction TypeMortgage
Record UpdatedDec 16, 2021
Title CompanyTITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address582 BEST RD, PLEASANT HILL, CA 94523-2104

Mortgage

Document Number0000080166
DateDec 8, 2021
Instrument2021080166
Lender
NameBETTER MORTGAGE CORPORATION
TypeMortgage Company
AddressNEW YORK, NY 10007
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJan 1, 2052

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN LUIS OBISPO CA
Property Address399 LANCASTER ST, CAMBRIA, CA 93428-3247
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyPLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000015142
DateMar 27, 2020
Instrument2020015142
Lender
NameENVOY MORTGAGE LTD
TypeMortgage Company
AddressHOUSTON, TX 77043
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueApr 1, 2050

October 2018: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionSAN LUIS OBISPO CA
Recording DateOct 3, 2018
Property Address399 LANCASTER ST, CAMBRIA, CA 93428-3247
Document Number0000040968
Instrument DateSep 24, 2018
Instrument40968
Transaction TypeForeclosure
Record UpdatedNov 22, 2018
Title CompanyOTHER

Transaction

AmountAmount on Record
Tax$696.58
Amount AccuracyConfirmed
Additional
  • Notice of Trustee Sale

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCorporate Trust
Address1239 HIGUERA ST SAN LUIS OBISPO CA 934013127, SAN LUIS OBISPO, CA 93401-3127

Tax Assessment & Valuation

The 2025 property tax bill for 399 Lancaster St was $9,652.

Source: San Luis Obispo County assessment roll, as of August 6, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Luis Obispo County
Unified School DistrictCoast Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$900,218 (+2%) Land $501,981 Building $398,237
2025$9,652.00$882,568 Land $492,139 Building $390,429
2023$9,277.00 (+1.99%)$848,299 Land $473,030 Building $375,269
2022$9,096.00

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

Flood

FEMA maps place 399 Lancaster St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1995.

Source: FEMA National Flood Hazard Layer, effective July 22, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 19 policies
Nearby Flood Policies19 in force
Nearby Flood Claims8 (1995–2021)
Claims Outside the SFHA6 of 8
Most Recent ClaimJan 2021 · tidal / storm surge
Claims by Event
  • Severe Winter Storms And Flooding, Feb 1998 · 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

Wildfire risk around 399 Lancaster St is low, with a 0.02% annual chance of wildfire.

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

Wildfire RiskLow
lower than 67% of the US · lower than 81% of California
Wildfire Likelihood0.02% annual chance
ExposureNone
beyond ember reach

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 SystemCAMBRIA COMM SERVICES DIST
serves 6,038 people · EPA ID CA4010014
Water SourceGroundwater
Last State InspectionApr 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTreatment failure
resolved · Jul 2022
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 248 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000

May also be available: Ranch Wifi, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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