554 Ardath Dr, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 554 Ardath Dr, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,368 sqft · built 1973
Lot Size	0.113 acres (4,900 sqft)
Owner	Company Name on File
Last Sale	$287,500 (Oct 1998)
Tax Bill	$5,559 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Sep 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`023-122-011`

Property Details

APN / Parcel Number

Primary APN	`023-122-011`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,368 sqft Living Area
1st Floor Area	1,368 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Construction Type	Wood
Lot Area	4,900 sqft (0.113 acres)
Terrain	Above Road/Slope

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	554 ARDATH DR
City	CAMBRIA
State	CA
Zip	93428-5525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES TR 8 BL 227 LTS 16 & 17
Legal Subdivision	CAMBRIA PINES 08
Legal Tract	8
Legal Block	227
Legal Lot Number	16,17
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1061
Census Tract	10403

Owner

554 Ardath Dr is owned by a company that acquired it in August 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	285 W CENTRAL AVE, 104, BREA, CA 92821-7508
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2020	Quit Claim Deed, Transfer QUICKEN LNS
Sep 16, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 9, 1998 · Amount on File
Deed Sale	Oct 9, 1998 · Amount on File
Prior Sale	Jun 28, 1996 · Amount on File
Deed Document Number	199865708
Last Transfer Date	Aug 23, 2020
Transfer Doc	0000050349
Record Updated	Oct 29, 2026

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 16, 2020
Property Address	554 ARDATH DR, CAMBRIA, CA 93428-5525
Document Number	0000050349
Instrument Date	Aug 23, 2020
Instrument	50349
Transaction Type	Transfer
Record Updated	Oct 5, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	554 ARDATH DR CAMBRIA CA 934285525, CAMBRIA, CA 93428-5525

Mortgage

Document Number	50350
Date	Sep 16, 2020
Instrument	50350

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 15, 2050

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 16, 2020
Property Address	554 ARDATH DR, CAMBRIA, CA 93428-5525
Document Number	0000050351
Instrument Date	Aug 23, 2020
Instrument	50351
Transaction Type	Transfer
Record Updated	Oct 5, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	554 ARDATH DR CAMBRIA CA 934285525, CAMBRIA, CA 93428-5525

Tax Assessment & Valuation

The 2025 property tax bill for 554 Ardath Dr was $5,559.

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		$511,280 (+2%) Land $271,830 Building $239,450
2025	$5,559.00 Homeowner's exemption	$501,255 Land $266,500 Building $234,755
2023	$5,336.00 (+2.05%) Homeowner's exemption	$481,792 Land $256,152 Building $225,640
2022	$5,229.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 554 Ardath Dr in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1983.

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 File 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

Wildfire risk around 554 Ardath Dr is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 72% of California
Wildfire Likelihood	0.09% 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 129 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

Cell Coverage

4G LTE only, no 5G reported

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