4305 Bridge St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 4305 Bridge St, Cambria, CA 93428

Property Summary

Property Type	Residential
Details	2 bd · 2.5 ba · 1,837 sqft · built 1910
Lot Size	0.104 acres (4,536 sqft)
Owner	Individual Name on Record
Last Sale	$999,000 (Jun 2023)
Tax Bill	$11,305 (2025)
Deeds & Mortgages	Feb 2026 Transfer Feb 2026 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`013-231-010`

Property Details

APN / Parcel Number

Primary APN	`013-231-010`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,837 sqft Gross Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	4,536 sqft (0.104 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	4305 BRIDGE ST
City	CAMBRIA
State	CA
Zip	93428-2103
Property Category	Residential
Property Type	Residential > Specialized > Other
Local Zoning Code	CR
Legal Description	TN CAMBRIA PTN BL G
Legal Block	G
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1006
Census Tract	10404

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4305 BRIDGE ST, CAMBRIA, CA 93428-2103
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2026	Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Feb 23, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 14, 2023	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 4, 2021	Correction Deed
Feb 10, 2021	Grant Deed, Transfer
Feb 10, 2021	Gift Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2023 · Amount on Record
Deed Sale	Jun 14, 2023 · Amount on Record
Prior Sale	Nov 20, 2008 · Amount on Record
Deed Document Number	202316712
Last Transfer Date	Feb 17, 2026
Transfer Doc	0000005185
Record Updated	Sep 20, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 23, 2026
Property Address	4305 BRIDGE ST, CAMBRIA, CA 93428-2103
Document Number	0000005184
Instrument Date	Feb 17, 2026
Instrument	2026005184
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4305 BRIDGE ST, CAMBRIA, CA 93428-2103

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 23, 2026
Property Address	4305 BRIDGE ST, CAMBRIA, CA 93428-2103
Document Number	0000005185
Instrument Date	Feb 17, 2026
Instrument	2026005185
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4305 BRIDGE ST, CAMBRIA, CA 93428-2103

Mortgage

Document Number	0000005186
Date	Feb 23, 2026
Instrument	2026005186

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

June 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 14, 2023
Property Address	4305 BRIDGE ST, CAMBRIA, CA 93428-2103
Document Number	0000016712
Instrument Date	May 18, 2023
Instrument	2023016712
Transaction Type	Transfer
Record Updated	Jun 23, 2023
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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4305 BRIDGE ST, CAMBRIA, CA 93428-2103

Mortgage

Document Number	0000016713
Date	Jun 14, 2023
Instrument	2023016713

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

June 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 4, 2021
Property Address	4305 BRIDGE ST, CAMBRIA, CA 93428-2103
Document Number	0000040907
Instrument Date	Apr 13, 2021
Instrument	2021040907
Record Updated	Jun 16, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 INDIO DR, PISMO BEACH, CA 93449-1512

February 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 10, 2021
Property Address	4305 BRIDGE ST, CAMBRIA, CA 93428-2103
Document Number	0000010727
Instrument Date	Feb 5, 2021
Instrument	2021010727
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 INDIO DR, PISMO BEACH, CA 93449-1512

February 2021: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 10, 2021
Property Address	4305 BRIDGE ST, CAMBRIA, CA 93428-2103
Document Number	0000010726
Instrument Date	Feb 5, 2021
Instrument	2021010726
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 INDIO DR, PISMO BEACH, CA 93449-1512

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of August 6, 2025

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
2025	$11,305.00 (+2.27%)	$1,039,359 (+56.67%) Land $520,200 Building $519,159
2024	$11,054.00 (+50.89%)
2023	$7,326.00 (+1.99%)	$663,422 Land $402,264 Building $261,158
2022	$7,183.00

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 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	Severe Winter Storms And Flooding, Feb 1998 · 3 claims Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 8 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	High above 73% of the US · above 49% of California
Wildfire Likelihood	0.4% 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 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband, T-Mobile, Verizon.

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