San Luis Obispo County property record for 405 Warwick St, Cambria, CA 93428
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,859 sqft · built 1972 |
| Lot Size | 0.09 acres (3,962 sqft) |
| Owner | Trust Name on Record |
| Last Sale | $492,000 (May 2003) |
| Tax Bill | $9,517 (2025) |
| Deeds & Mortgages | May 2019 Mortgage Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 022-032-015 |
| Primary APN | 022-032-015 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,859 sqft Living Area |
| Year Built | Built 1972 |
|---|---|
| Construction Type | Wood |
| Lot Area | 3,962 sqft (0.09 acres) |
| Terrain | Other |
| Parking Spaces | 1 Parking Space |
| Heating System | HVAC |
|---|
| Street Address | 405 WARWICK ST |
|---|---|
| City | CAMBRIA |
| State | CA |
| Zip | 93428-2323 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | CAM PINES U 1 BL 13 LTS 43 & 44 |
| Legal Subdivision | COLUMBIA PINES |
| Legal Block | 13 |
| Legal Lot Number | 43,44 44 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 10404 |
Source: San Luis Obispo County records, as of September 29, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Trust Name on Record |
|---|---|
| Mailing Address | 405 WARWICK ST, CAMBRIA, CA 93428-2323 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| May 16, 2019 | Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC |
| Jan 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 20, 2003 · Amount on Record |
| Deed Sale | May 20, 2003 · Amount on Record |
| Prior Sale | Sep 27, 2016 |
| Deed Document Number | 0000053898 |
| Last Transfer Date | Sep 28, 2016 |
| Transfer Doc | 0000048968 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 405 WARWICK ST, CAMBRIA, CA 93428-2323 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PACIFIC COAST TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000018008 |
|---|---|
| Date | May 16, 2019 |
| Instrument | 2019018008 |
| Name | SIERRA PACIFIC MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Address | FOLSOM, CA 95630 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 405 WARWICK ST, CAMBRIA, CA 93428-2323 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PACIFIC COAST TITLE |
| Name | Verified Name |
|---|---|
| Address | 405 WARWICK ST, CAMBRIA, CA 93428-2323 |
| Document Number | 0000002731 |
|---|---|
| Date | Jan 13, 2021 |
| Instrument | 2021002731 |
| Name | SIERRA PACIFIC MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Address | FOLSOM, CA 95630 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
Source: San Luis Obispo County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Unified School District | Coast Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $9,517.00 (+4.08%) Homeowner's exemption | $876,744 (+4.04%) Land $492,421 Building $384,323 |
| 2023 | $9,144.00 (+1.17%) Homeowner's exemption | $842,700 Land $473,300 Building $369,400 |
| 2022 | $9,038.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 21 (1986–2026) |
| Claims Outside the SFHA | 4 of 21 |
| Most Recent Claim | Jan 2026 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 79% of California |
|---|---|
| Wildfire Likelihood | 0.05% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 294 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: Ranch Wifi, Verizon.
5G (outdoors only) and 4G LTE
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