445 Pembrook Dr, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 445 Pembrook Dr, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,235 sqft · built 1998
Lot Size	0.161 acres (7,000 sqft)
Owner	Company Name on File
Last Sale	$859,000 (Jul 2019)
Tax Bill	$10,252 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`022-151-024`

Property Details

APN / Parcel Number

Primary APN	`022-151-024`
Alternative APN	`022-153-002`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,235 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Wood
Lot Area	7,000 sqft (0.161 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	022151024
Street Address	445 PEMBROOK DR
City	CAMBRIA
State	CA
Zip	93428-2722
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES U 5 BL 53 LTS 54 55 93 94
Legal Subdivision	CAMBRIA PINES 05
Legal Block	53
Legal Lot Number	54
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2008
Census Tract	10403

Owner

445 Pembrook Dr is owned by a company that bought it in July 2019.

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

Owner of Record	Company Name on File
Mailing Address	2518 W 157TH ST, GARDENA, CA 90249-4627
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
Jun 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 17, 2019	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2019 · Amount on File
Deed Sale	Jul 17, 2019 · Amount on File
Prior Sale	Oct 9, 2015 · Amount on File
Deed Document Number	201928087
Prior Transfer Date	Jul 15, 2016
Prior Transfer Doc	0000038865
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	445 PEMBROOK DR, CAMBRIA, CA 93428-2722
Transaction Type	Mortgage
Record Updated	Jun 16, 2021
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2518 W 157TH ST, GARDENA, CA 90249-4627

Mortgage

Document Number	0000040697
Date	Jun 4, 2021
Instrument	2021040697

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Jun 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.37%
Index	Other
Max Rate	7.37%

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 17, 2019
Property Address	445 PEMBROOK DR, CAMBRIA, CA 93428-2722
Document Number	0000028087
Instrument Date	Jun 6, 2019
Instrument	28087
Transaction Type	Transfer
Record Updated	Jul 24, 2019
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$944.90
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2518 W 157TH ST GARDENA CA 902494627, GARDENA, CA 90249-4627

Mortgage

Document Number	28088
Date	Jul 17, 2019
Instrument	28088

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 16, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.37%

Tax Assessment & Valuation

The 2025 property tax bill for 445 Pembrook Dr was $10,252.

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		$1,090,825 (+16.11%) Land $634,581 Building $456,244
2025	$10,252.00	$939,438 Land $492,139 Building $447,299
2023	$9,853.00 (+1.99%)	$902,961 Land $473,030 Building $429,931
2022	$9,661.00

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

Flood

FEMA maps place 445 Pembrook Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 445 Pembrook Dr 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 80% of the US · lower than 88% 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 370 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
Starlink Satellite	280 / 30

May also be available: Astound Broadband, Verizon.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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