San Luis Obispo County property record for 522 Derby Ln, Cambria, CA 93428
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 5 ba · 2,577 sqft · built 2000 |
| Lot Size | 0.112 acres (4,880 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $1,020,000 (Sep 2021) |
| Tax Bill | $11,759 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 022-083-057 |
| Primary APN | 022-083-057 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,577 sqft Living Area |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Construction Type | Wood |
| Lot Area | 4,880 sqft (0.112 acres) |
| Terrain | Below Road/Slope |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air |
|---|---|
| Sewer | Connected |
| Street Address | 522 DERBY LN |
|---|---|
| City | CAMBRIA |
| State | CA |
| Zip | 93428-2403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | CAM PINE U 1 BL 19 LT 34 & PTN 35 |
| Legal Subdivision | CAMBIA PINES 01 |
| Legal Block | 19 |
| Legal Lot Number | 34 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1063 |
| Census Tract | 10404 |
Source: San Luis Obispo County assessment roll, as of July 1, 2025
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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 15542 TOWAY LN, HUNTINGTON BEACH, CA 92647-2912 |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
| Deed Names | 3 Verified Names on Deed |
|---|---|
| Last Sale | Sep 29, 2021 · Amount on Record |
| Deed Sale | Sep 29, 2021 · Amount on Record |
| Prior Sale | Aug 19, 2004 |
| Deed Document Number | 2021066212 |
| Record Updated | Jun 8, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Sep 29, 2021 |
| Property Address | 522 DERBY LN, CAMBRIA, CA 93428-2403 |
| Document Number | 0000066212 |
| Map Reference | MB 3 PG 106 |
| Instrument Date | Sep 14, 2021 |
| Instrument | 2021066212 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| 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 | Family Trust |
| Address | 15542 TOWAY LN, HUNTINGTON BEACH, CA 92647-2912 |
| Document Number | 0000066213 |
|---|---|
| Date | Sep 29, 2021 |
| Instrument | 2021066213 |
| Name | SPROUT MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
Source: San Luis Obispo County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Unified School District | Coast Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $11,759.00 (+4.03%) | $1,082,432 (+4.04%) Land $530,604 Building $551,828 |
| 2023 | $11,303.00 (+1.99%) | $1,040,400 Land $510,000 Building $530,400 |
| 2022 | $11,083.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
|
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: 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 |
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 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.
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