545 Croyden Ln, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 545 Croyden Ln, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,168 sqft · built 1988
Lot Size	0.138 acres (6,020 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,865,000 (Aug 2023)
Tax Bill	$20,402 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Nov 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`022-084-009`

Property Details

APN / Parcel Number

Primary APN	`022-084-009`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,168 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Wood
Lot Area	6,020 sqft (0.138 acres)
Terrain	Above Road/Slope
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	545 CROYDEN LN
City	CAMBRIA
State	CA
Zip	93428-2407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES U 1 BL 18 LTS 20 TO 22
Legal Subdivision	CAMBRIA PINES 01
Legal Block	18
Legal Lot Number	20
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1051
Census Tract	10404

Owner

Source: San Luis Obispo County records, as of August 6, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	545 CROYDEN LN, CAMBRIA, CA 93428-2407
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2023	Grant Deed, Transfer · Conventional Mortgage US BANK NA
Nov 17, 2021	Grant Deed, Transfer FIDELITY NATIONAL TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2023 · Amount on Record
Deed Sale	Aug 21, 2023 · Amount on Record
Prior Sale	Nov 17, 2021 · Amount on Record
Deed Document Number	202324617
Prior Transfer Date	Aug 13, 2010
Prior Transfer Doc	0000039834
Record Updated	Oct 29, 2026

August 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 21, 2023
Property Address	545 CROYDEN LN, CAMBRIA, CA 93428-2407
Document Number	0000024617
Map Reference	MB 3 PG 106
Instrument Date	Jul 26, 2023
Instrument	2023024617
Transaction Type	Transfer
Record Updated	Aug 30, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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	Joint Tenants
Address	545 CROYDEN LN, CAMBRIA, CA 93428-2407

Mortgage

Document Number	0000024618
Date	Aug 21, 2023
Instrument	2023024618

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Sep 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.5%
Index	1-Year T-Bill
Max Rate	11.5%

November 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 17, 2021
Property Address	545 CROYDEN LN, CAMBRIA, CA 93428-2407
Document Number	0000076566
Map Reference	MB 3 PG 106
Instrument Date	Oct 26, 2021
Instrument	2021076566
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIDELITY NATIONAL TITLE CO

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
Address	17349 LEGEND OAKS LN, BAKERSFIELD, CA 93314-9408

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		$1,940,346 (+2%) Land $832,320 Building $1,108,026
2025	$20,402.00 (+19.59%)	$1,902,300 (+19.94%) Land $816,000 Building $1,086,300
2023	$17,060.00 (+1.98%)	$1,586,100 Land $612,000 Building $974,100
2022	$16,729.00

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 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

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

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 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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