545 Lancaster St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 545 Lancaster St, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,619 sqft · built 2001
Lot Size	0.121 acres (5,250 sqft)
Owner	2 Company Names on Record
Last Sale	$1,000,000 (Feb 2024)
Tax Bill	$9,055 (2025)
Deeds & Mortgages	Feb 2024 Sale Jul 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`022-242-030`

Property Details

APN / Parcel Number

Primary APN	`022-242-030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,619 sqft Living Area
1st Floor Area	1,619 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Construction Type	Wood
Lot Area	5,250 sqft (0.121 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	545 LANCASTER ST
City	CAMBRIA
State	CA
Zip	93428-3213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES U 5 BL 49 LTS 29 TO 31
Legal Subdivision	CAMBRIA PINES 05
Legal Block	49
Legal Lot Number	29
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2037
Census Tract	10403

Owner

Source: San Luis Obispo County records, as of August 26, 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	545 LANCASTER ST, CAMBRIA, CA 93428-3213
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2024	Grant Deed, Transfer PLACER TITLE COMPANY
Jul 27, 2017	Deed of Trust, Mortgage · ARM FREMONT BANK
Jun 1, 2020	Grant Deed, Transfer · Conventional Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2024 · Amount on Record
Deed Sale	Feb 20, 2024 · Amount on Record
Prior Sale	Jun 1, 2020 · Amount on Record
Deed Document Number	20244349
Last Transfer Date	Feb 28, 2025
Transfer Doc	0000005757
Record Updated	Oct 29, 2026

February 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 20, 2024
Property Address	545 LANCASTER ST, CAMBRIA, CA 93428-3213
Document Number	0000004349
Map Reference	MB 5 PG 2
Instrument Date	Feb 9, 2024
Instrument	2024004349
Transaction Type	Transfer
Record Updated	Feb 28, 2024
Title Company	PLACER 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	Community Property
Address	545 LANCASTER ST, CAMBRIA, CA 93428-3213

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	545 LANCASTER ST, CAMBRIA, CA 93428-3213
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365 COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033243
Date	Jul 27, 2017
Instrument	2017033243

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Aug 1, 2022
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	9%
Index	1-Year LIBOR
Max Rate	9%

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 1, 2020
Property Address	545 LANCASTER ST, CAMBRIA, CA 93428-3213
Document Number	0000026686
Instrument Date	Mar 3, 2020
Instrument	26686
Transaction Type	Transfer
Record Updated	Jun 11, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$880.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	545 LANCASTER ST CAMBRIA CA 934283213, CAMBRIA, CA 93428-3213

Mortgage

Document Number	26687
Date	Jun 1, 2020
Instrument	26687

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 31, 2050

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		$849,571 (+2%) Land $539,571 Building $310,000
2025	$9,055.00 (-0.77%) Homeowner's exemption	$832,914 (-0.95%) Land $528,992 Building $303,922
2023	$9,125.00 (+2%) Homeowner's exemption	$840,941 Land $473,030 Building $367,911
2022	$8,946.00

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 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	8 (1995–2021)
Claims Outside the SFHA	6 of 8
Most Recent Claim	Jan 2021 · tidal / storm surge
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 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	0.03% 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 370 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
Starlink Satellite	280 / 30

May also be available: Astound Broadband, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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