495 Warwick St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 495 Warwick St, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,744 sqft · built 1985
Lot Size	0.14 acres (6,098 sqft)
Owner	Company Name on Record
Last Sale	$849,000 (Sep 2017)
Tax Bill	$10,532 (2025)
Deeds & Mortgages	Oct 2017 Transfer Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`022-032-034`

Property Details

APN / Parcel Number

Primary APN	`022-032-034`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,744 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Construction Type	Wood
Lot Area	6,098 sqft (0.14 acres)
Terrain	Below Road/Slope
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	495 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 23 TO 25
Legal Subdivision	CAMBRIA PINES 01
Legal Block	13
Legal Lot Number	23
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1036
Census Tract	10404

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	2308 HAGGIN OAKS BLVD, BAKERSFIELD, CA 93311-1563
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2017	Quit Claim Deed, Transfer Quitclaim
Sep 21, 2017	Grant Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2017 · Amount on Record
Deed Sale	Sep 21, 2017 · Amount on Record
Prior Sale	Mar 30, 2012 · Amount on Record
Deed Document Number	201742184
Last Transfer Date	Oct 6, 2017
Transfer Doc	0000046658
Record Updated	Oct 29, 2026

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 12, 2017
Property Address	495 WARWICK ST, CAMBRIA, CA 93428-2323
Document Number	0000046658
Instrument Date	Oct 6, 2017
Instrument	46658
Transaction Type	Transfer
Record Updated	Oct 31, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2308 HAGGIN OAKS BLVD BAKERSFIELD CA 933111563, BAKERSFIELD, CA 93311-1563

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 21, 2017
Property Address	495 WARWICK ST, CAMBRIA, CA 93428-2323
Document Number	0000042184
Instrument Date	Aug 8, 2017
Instrument	42184
Transaction Type	Transfer
Record Updated	Sep 29, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$933.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2308 HAGGIN OAKS BLVD BAKERSFIELD CA 933111563, BAKERSFIELD, CA 93311-1563

Mortgage

Document Number	42185
Date	Sep 21, 2017
Instrument	42185

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

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

Tax Assessment & Valuation

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		$985,331 (+2%) Land $580,291 Building $405,040
2025	$10,532.00 (+4.04%)	$966,012 (+4.04%) Land $568,913 Building $397,099
2023	$10,123.00 (+1.99%)	$928,502 Land $546,822 Building $381,680
2022	$9,925.00

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	Low lower than 65% 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.

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 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.

Nearby Properties on Warwick St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures