554 Cambridge St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 554 Cambridge St, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,524 sqft · built 1987
Lot Size	0.08 acres (3,500 sqft)
Owner	2 Company Names on Record
Last Sale	$1,172,000 (Nov 2025)
Tax Bill	$8,995 (2025)
Deeds & Mortgages	Nov 2025 Sale Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`022-193-028`

Property Details

APN / Parcel Number

Primary APN	`022-193-028`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	1,524 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Wood
Lot Area	3,500 sqft (0.08 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	554 CAMBRIDGE ST
City	CAMBRIA
State	CA
Zip	93428-2741
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES U 5 BL 51 LTS 8 & 9
Legal Subdivision	CAMBRIA PINES 05
Legal Block	51
Legal Lot Number	8,9
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2039
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	1118 KENSINGTON AVE, SUNNYVALE, CA 94087-5006
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Grant Deed, Transfer PLACER TITLE COMPANY
Jan 14, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage PRUDLER FUNDING
Jan 28, 2020	Affidavit of Death, Transfer PLACER TITLE COMPANY, PLACER TITLE CO.
Jan 28, 2020	Grant Deed, Transfer · Conventional Mortgage PRUDLER FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2025 · Amount on Record
Deed Sale	Nov 10, 2025 · Amount on Record
Prior Sale	Jan 28, 2020 · Amount on Record
Deed Document Number	202534428
Prior Transfer Date	Jan 11, 2021
Prior Transfer Doc	0000003061
Record Updated	Oct 29, 2026

November 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 10, 2025
Property Address	554 CAMBRIDGE ST, CAMBRIA, CA 93428-2741
Document Number	0000034428
Map Reference	MB 5 PG 2
Instrument Date	Oct 29, 2025
Instrument	2025034428
Transaction Type	Transfer
Record Updated	Dec 4, 2025
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
Address	1118 KENSINGTON AVE, SUNNYVALE, CA 94087-5006

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 14, 2021
Property Address	554 CAMBRIDGE ST, CAMBRIA, CA 93428-2741
Document Number	0000003061
Map Reference	MB 5 PG 2
Instrument Date	Jan 11, 2021
Instrument	2021003061
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE SANTA A

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	544 CAMBRIDGE ST, CAMBRIA, CA 93428-2741

Mortgage

Document Number	0000003062
Date	Jan 14, 2021
Instrument	2021003062

Lender

Name	PRUDLER FUNDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

January 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 28, 2020
Property Address	554 CAMBRIDGE ST, CAMBRIA, CA 93428-2741
Document Number	0000004297
Instrument Date	Dec 17, 2019
Instrument	4297
Transaction Type	Transfer
Record Updated	Feb 10, 2020
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	21 LANDING LAGUNA NIGUEL CA 926775638, LAGUNA NIGUEL, CA 92677-5638

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 28, 2020
Property Address	554 CAMBRIDGE ST, CAMBRIA, CA 93428-2741
Document Number	0000004298
Map Reference	MB 5 PG 2
Instrument Date	Dec 17, 2019
Instrument	2020004298
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER TITLE COMPANY

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	Community Property
Address	1863 N DOUGLAS AVE, CLOVIS, CA 93619-2815

Mortgage

Document Number	0000004299
Date	Jan 28, 2020
Instrument	2020004299

Lender

Name	PRUDLER FUNDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 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		$1,172,000 (+42.89%) Land $700,000 Building $472,000
2025	$8,995.00 (+4.06%)	$820,231 (+4.04%) Land $464,798 Building $355,433
2023	$8,644.00 (+1.98%)	$788,382 Land $446,750 Building $341,632
2022	$8,476.00

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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