San Luis Obispo County property record for 509 Cambridge St, Cambria, CA 93428
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,520 sqft · built 1976 |
| Lot Size | 0.04 acres (1,750 sqft) |
| Owner | Company Name on File |
| Last Sale | $471,000 (Mar 2015) |
| Tax Bill | $6,316 (2025) |
| Deeds & Mortgages | Mar 2024 Transfer Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 022-192-014 |
| Primary APN | 022-192-014 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,520 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Construction Type | Wood |
| Lot Area | 1,750 sqft (0.04 acres) |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 509 CAMBRIDGE ST |
|---|---|
| City | CAMBRIA |
| State | CA |
| Zip | 93428-2740 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | CAM PINES U 5 BL 52 LT 36 |
| Legal Subdivision | CAMBRIA PINES |
| Legal Block | 52 |
| Legal Lot Number | 36 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 10403 |
509 Cambridge St is owned by a company that acquired it in February 2024.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 4132 MESA ST, TORRANCE, CA 90505-6312 |
| 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.
| Date | Document |
|---|---|
| Mar 4, 2024 | Intrafamily Transfer, Transfer |
| Jan 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 13, 2015 · Amount on File |
| Deed Sale | Mar 13, 2015 · Amount on File |
| Deed Document Number | 201510939 |
| Last Transfer Date | Feb 6, 2024 |
| Transfer Doc | 0000005660 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Mar 4, 2024 |
| Property Address | 509 CAMBRIDGE ST, CAMBRIA, CA 93428-2740 |
| Document Number | 0000005660 |
| Map Reference | MB 5 PG 2 |
| Instrument Date | Feb 6, 2024 |
| Instrument | 2024005660 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4132 MESA ST, TORRANCE, CA 90505-6312 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 509 CAMBRIDGE ST, CAMBRIA, CA 93428-2740 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 509 CAMBRIDGE ST, CAMBRIA, CA 93428-2740 |
| Document Number | 0000001487 |
|---|---|
| Date | Jan 8, 2021 |
| Instrument | 2021001487 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
The 2025 property tax bill for 509 Cambridge St was $6,316.
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Unified School District | Coast Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $577,383 (+2%) Land $367,762 Building $209,621 | |
| 2025 | $6,316.00 | $566,062 Land $360,551 Building $205,511 |
| 2023 | $6,067.00 (+2%) | $544,083 Land $346,551 Building $197,532 |
| 2022 | $5,948.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 509 Cambridge 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 |
|
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 risk around 509 Cambridge St is low, with a 0.03% annual chance of 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 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.
5G (outdoors only) and 4G LTE
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