San Luis Obispo County property record for 515 Warwick St, Cambria, CA 93428 · Last verified October 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,632 sqft · built 1980 |
| Lot Size | 0.08 acres (3,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $895,000 (Mar 2020) |
| Tax Bill | $10,593 (2025) |
| Deeds & Mortgages | Nov 2017 Line of Credit Mar 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 022-042-010 |
| Primary APN | 022-042-010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,632 sqft Living Area |
| Year Built | Built 1980 |
|---|---|
| Construction Type | Wood |
| Lot Area | 3,500 sqft (0.08 acres) |
| Terrain | Other |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 515 WARWICK ST |
|---|---|
| City | CAMBRIA |
| State | CA |
| Zip | 93428-2424 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CAM PINES U 1 LTS 44 & 45BL 20 LTS 44 & 45 |
| Legal Subdivision | CAMBRIA PINES |
| Legal Block | 20 |
| Legal Lot Number | 44,45 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 10404 |
Source: San Luis Obispo County records · APN 022-042-010
Assessment roll updated July 1, 2025 · Last verified October 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 515 WARWICK ST, CAMBRIA, CA 93428-2424 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 09, 2017 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA |
| Mar 02, 2020 | Grant Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD |
| Mar 22, 2019 | Grant Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 02, 2020 · Amount on Record |
| Deed Sale | Mar 02, 2020 · Amount on Record |
| Prior Sale | Mar 22, 2019 · Amount on Record |
| Deed Document Number | 2020010069 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 515 WARWICK ST, CAMBRIA, CA 93428-2424 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0000051682 |
|---|---|
| Date | Nov 09, 2017 |
| Instrument | 2017051682 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 18, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Mar 02, 2020 |
| Property Address | 515 WARWICK ST, CAMBRIA, CA 93428-2424 |
| Document Number | 0000010069 |
| Map Reference | MB 3 PG 106 |
| Instrument Date | Feb 10, 2020 |
| Instrument | 2020010069 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Title Company | PLACER TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 2096 PINERIDGE DR, CAMBRIA, CA 93428-5252 |
| Document Number | 0000010070 |
|---|---|
| Date | Mar 02, 2020 |
| Instrument | 2020010070 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Mar 22, 2019 |
| Property Address | 515 WARWICK ST, CAMBRIA, CA 93428-2424 |
| Document Number | 0000010072 |
| Map Reference | MB 3 PG 106 |
| Instrument Date | Mar 04, 2019 |
| Instrument | 2019010072 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Title Company | PLACER TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 515 WARWICK ST, CAMBRIA, CA 93428-2424 |
| Document Number | 0000010073 |
|---|---|
| Date | Mar 22, 2019 |
| Instrument | 2019010073 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2049 |
Source: San Luis Obispo County records · Assessment roll updated July 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Unified School District | Coast Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $10,593.00 (+4.07%) Homeowner's exemption | $978,809 (+4.04%) Land $574,162 Building $404,647 |
| 2023 | $10,179.00 (+2%) Homeowner's exemption | $940,802 Land $551,867 Building $388,935 |
| 2022 | $9,979.00 |
Source: FEMA National Flood Hazard Layer, San Luis Obispo County (06079C), updated July 22, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060790104041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 13 individual NFIP policies nearby |
| 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 Storm |
|
| Wildfire Risk | Low above 34% of the US · above 20% of California |
|---|---|
| Wildfire Likelihood | About 1 in 2,174 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 294 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Verizon, Ranch WiFi. Availability varies by address; speeds are provider-advertised maximums, not measured.
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