FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Transaction
Amount
Amount 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
Relationship
Community Property with Right of Survivorship
Address
5198 HILLCREST DR, CAMBRIA, CA 93428-2910
January 2020: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
SAN LUIS OBISPO CA
Property Address
5198 HILLCREST DR, CAMBRIA, CA 93428-2910
Document Number
0000005106
Instrument Date
Jan 23, 2020
Transaction Type
Mortgage
Record Updated
Feb 13, 2020
Title Company
TSI ESCROW - CERRITOS
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Community Property
Address
5198 HILLCREST DR CAMBRIA CA 934282910, CAMBRIA, CA 93428-2910
Mortgage
Document Number
0000005106
Date
Jan 31, 2020
Instrument
5106
Lender
Name
QUICKEN LNS
Type
Funding / Finance Company
Address
DETROIT, MI 48226-1906
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
360 Months
Due
Jan 30, 2050
February 2019: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
SAN LUIS OBISPO CA
Property Address
5198 HILLCREST DR, CAMBRIA, CA 93428-2910
Document Number
0000007791
Instrument Date
Feb 26, 2019
Transaction Type
Mortgage
Record Updated
Mar 19, 2019
Title Company
TSI ESCROW - CERRITOS
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Husband and Wife
Address
5198 HILLCREST DR CAMBRIA CA 934282910, CAMBRIA, CA 93428-2910
Mortgage
Document Number
0000007791
Date
Mar 7, 2019
Instrument
7791
Lender
Name
QUICKEN LNS
Type
Funding / Finance Company
Address
DETROIT, MI 48226-1906
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
360 Months
Due
Mar 6, 2049
November 2017: Quit Claim Deed, Transfer
Document Type
Quit Claim Deed
Jurisdiction
SAN LUIS OBISPO CA
Recording Date
Nov 22, 2017
Property Address
5198 HILLCREST DR, CAMBRIA, CA 93428-2910
Document Number
0000053854
Instrument Date
Nov 16, 2017
Instrument
53854
Transaction Type
Transfer
Record Updated
Dec 4, 2017
Transaction
Tax
$0.00
Amount Accuracy
Full Value
Additional
Quitclaim
Intrafamily Transfer
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Community Property
Address
5198 HILLCREST DR CAMBRIA CA 934282910, CAMBRIA, CA 93428-2910
Mortgage
Document Number
53855
Date
Nov 22, 2017
Instrument
53855
Lender
Name
ERIC H & SANDRA MCLAUGHLIN
Address
PO BOX 6875, SANTA ROSA, CA 95406-0875
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
36 Months
Due
Nov 21, 2020
Tax Assessment & Valuation
The 2025 property tax bill for 5198 Hillcrest Dr was $18,619.
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
$1,765,422 (+2%)Land $552,040Building $1,213,382
2025
$18,619.00
$1,730,807Land $541,216Building $1,189,591
2023
$17,900.00 (+1.98%)
$1,663,599Land $520,200Building $1,143,399
2022
$17,553.00
Assessed value is set for property tax purposes and is not a market price estimate.
Flood
FEMA maps place 5198 Hillcrest Dr in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1986.
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 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
Wildfire risk around 5198 Hillcrest Dr is moderate, ranking above 69% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
Wildfire Risk
Moderate above 69% of the US · above 44% of California
Wildfire Likelihood
0.2% annual chance
Exposure
Direct burnable vegetation
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 165 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
May also be available: Astound Broadband, AT&T, Ranch Wifi, T-Mobile, Verizon.