548 Warwick St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 548 Warwick St, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,172 sqft · built 1951
Lot Size	0.227 acres (9,900 sqft)
Owner	Company Name on Record
Last Sale	$325,000 (Jan 2000)
Tax Bill	$11,836 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Apr 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`022-083-001`

Property Details

APN / Parcel Number

Primary APN	`022-083-001`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,172 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	9,900 sqft (0.227 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	548 WARWICK ST
City	CAMBRIA
State	CA
Zip	93428-2439
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES U 1 BL 19 LTS 1 & 2 & 27 TO 29
Legal Subdivision	CAMBRIA PINES 01
Legal Block	19
Legal Lot Number	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1063
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	Company Name on Record
Mailing Address	548 WARWICK ST, CAMBRIA, CA 93428-2439
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 2, 2020	Quit Claim Deed, Transfer AMROCK INC
Apr 2, 2020	Quit Claim Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2000 · Amount on Record
Deed Sale	Jan 31, 2000 · Amount on Record
Deed Document Number	20004950
Last Transfer Date	Mar 19, 2020
Transfer Doc	0000016095
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	548 WARWICK ST, CAMBRIA, CA 93428-2439
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	548 WARWICK ST, CAMBRIA, CA 93428-2439

Mortgage

Document Number	0000005470
Date	Jan 25, 2021
Instrument	2021005470

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 2, 2020
Property Address	548 WARWICK ST, CAMBRIA, CA 93428-2439
Document Number	0000016095
Instrument Date	Mar 19, 2020
Instrument	16095
Transaction Type	Transfer
Record Updated	Apr 29, 2020
Title Company	AMROCK INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	548 WARWICK ST CAMBRIA CA 934282439, CAMBRIA, CA 93428-2439

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 2, 2020
Property Address	548 WARWICK ST, CAMBRIA, CA 93428-2439
Document Number	0000016093
Instrument Date	Mar 19, 2020
Instrument	16093
Transaction Type	Transfer
Record Updated	Apr 29, 2020
Title Company	SPL INC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	548 WARWICK ST CAMBRIA CA 934282439, CAMBRIA, CA 93428-2439

Mortgage

Document Number	16094
Date	Apr 2, 2020
Instrument	16094

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 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		$1,116,231 (+2%) Land $329,208 Building $787,023
2025	$11,836.00 (+4.07%) Homeowner's exemption	$1,094,345 (+4.04%) Land $322,753 Building $771,592
2023	$11,373.00 (+2.01%) Homeowner's exemption	$1,051,852 Land $310,221 Building $741,631
2022	$11,149.00

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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