410 Lancaster St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 410 Lancaster St, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,344 sqft · built 1958
Lot Size	0.121 acres (5,250 sqft)
Owner	Company Name on File
Last Sale	$815,000 (Aug 2004)
Tax Bill	$11,822 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`022-321-026`

Property Details

APN / Parcel Number

Primary APN	`022-321-026`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Construction Type	Wood
Lot Area	5,250 sqft (0.121 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	410 LANCASTER ST
City	CAMBRIA
State	CA
Zip	93428-3212
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES U 5 BL 61 LTS 2 TO 4
Legal Subdivision	CAMBRIA PINES 05
Legal Block	61
Legal Lot Number	2
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2049
Census Tract	10403

Owner

410 Lancaster St is owned by a company that acquired it in August 2017.

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

Owner of Record	Company Name on File
Mailing Address	5095 E COPPER AVE, CLOVIS, CA 93619-7704
Owner Type	Company
Vesting	Borrower in Default

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

Date	Document
Nov 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 21, 2017	Quit Claim Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2004 · Amount on File
Deed Sale	Aug 20, 2004 · Amount on File
Deed Document Number	200473963
Last Transfer Date	Aug 25, 2017
Transfer Doc	0000042339
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	410 LANCASTER ST, CAMBRIA, CA 93428-3212
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	ADVANTAGE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5095 E COPPER AVE, CLOVIS, CA 93619-7704

Mortgage

Document Number	0000067876
Date	Nov 20, 2020
Instrument	2020067876

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 21, 2017
Property Address	410 LANCASTER ST, CAMBRIA, CA 93428-3212
Document Number	0000042339
Instrument Date	Aug 25, 2017
Instrument	42339
Transaction Type	Transfer
Record Updated	Aug 25, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5095 E COPPER AVE CLOVIS CA 936197704, CLOVIS, CA 93619-7704

Mortgage

Document Number	42340
Date	Sep 21, 2017
Instrument	42340

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 20, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 410 Lancaster St was $11,822.

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		$1,110,166 (+2%) Land $781,979 Building $328,187
2025	$11,822.00	$1,088,399 Land $766,647 Building $321,752
2023	$11,363.00 (+11.56%)	$1,046,137 Land $736,878 Building $309,259
2022	$10,186.00

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

Flood

FEMA maps place 410 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	8 (1995–2021)
Claims Outside the SFHA	6 of 8
Most Recent Claim	Jan 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 410 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 Risk	Low lower than 67% of the US · lower than 81% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None 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 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 248 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: Ranch Wifi, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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