520 Drake St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 520 Drake St, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,845 sqft · built 1988
Lot Size	0.143 acres (6,227 sqft)
Owner	2 Company Names on Record
Last Sale	$1,625,000 (Jan 2024)
Tax Bill	$17,821 (2025)
Deeds & Mortgages	Oct 2026 Sale Jan 2024 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`023-068-021`

Property Details

APN / Parcel Number

Primary APN	`023-068-021`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	2,845 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Wood
Lot Area	6,227 sqft (0.143 acres)
Terrain	Above 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	520 DRAKE ST
City	CAMBRIA
State	CA
Zip	93428-4546
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TR 61 BL 4 LT 19
Legal Subdivision	SUNSET VIEW
Legal Tract	61
Legal Block	4
Legal Lot Number	19
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1030
Census Tract	10403

Owner

Source: San Luis Obispo County records, as of October 16, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	520 DRAKE ST, CAMBRIA, CA 93428-4546
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2026	Grant Deed, Transfer PLACER TITLE ER, PLACER TITLE
Jan 25, 2024	Intrafamily Transfer, Transfer WFG NATIONAL TITLE COMPANY
Jan 25, 2024	Grant Deed, Transfer WFG NATIONAL TITLE COMPANY
Dec 27, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2024 · Amount on Record
Deed Sale	Jan 25, 2024 · Amount on Record
Prior Sale	Dec 27, 2021 · Amount on Record
Deed Document Number	20242014
Prior Transfer Date	Jan 11, 2024
Prior Transfer Doc	0000002013
Record Updated	Oct 29, 2026

October 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 8, 2026
Property Address	520 DRAKE ST, CAMBRIA, CA 93428-4546
Document Number	0000031690
Instrument Date	Oct 2, 2026
Instrument	202631690
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	PLACER TITLE ER, PLACER TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	520 DRAKE ST, CAMBRIA, CA 93428-4546

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 25, 2024
Property Address	520 DRAKE ST, CAMBRIA, CA 93428-4546
Document Number	0000002013
Map Reference	MB 5 PG 78
Instrument Date	Jan 11, 2024
Instrument	2024002013
Transaction Type	Transfer
Record Updated	Feb 2, 2024
Title Company	WFG NATIONAL TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1390 WORDEN LN, LA VERNE, CA 91750-1503

January 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 25, 2024
Property Address	520 DRAKE ST, CAMBRIA, CA 93428-4546
Document Number	0000002014
Map Reference	MB 5 PG 78
Instrument Date	Jan 11, 2024
Instrument	2024002014
Transaction Type	Transfer
Record Updated	Feb 2, 2024
Title Company	WFG NATIONAL TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	520 DRAKE ST, CAMBRIA, CA 93428-4546

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 27, 2021
Property Address	520 DRAKE ST, CAMBRIA, CA 93428-4546
Document Number	0000083633
Map Reference	MB 5 PG 78
Instrument Date	Dec 20, 2021
Instrument	2021083633
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	Family Trust
Address	1396 WORDEN LN, LA VERNE, CA 91750-1503

Mortgage

Document Number	0000083634
Date	Dec 27, 2021
Instrument	2021083634

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

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		$1,690,650 (+2%) Land $832,320 Building $858,330
2025	$17,821.00 (+1.58%)	$1,657,500 (+1.56%) Land $816,000 Building $841,500
2023	$17,544.00 (+1.98%)	$1,632,000 Land $765,000 Building $867,000
2022	$17,204.00

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 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	8 (1983–2023)
Claims Outside the SFHA	6 of 8
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 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

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	0.02% 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 382 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Astound Broadband.

Cell Coverage

4G LTE only, no 5G reported

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