561 Cambridge St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 561 Cambridge St, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	2 bd · 4 ba · 1,697 sqft · built 1982
Lot Size	0.1 acres (4,375 sqft)
Owner	Individual Name on Record
Last Sale	$800,000 (Jun 2019)
Tax Bill	$9,756 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jun 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`022-192-049`

Property Details

APN / Parcel Number

Primary APN	`022-192-049`

Interior

Bedrooms	2 Beds
Full Baths	4 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,697 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Construction Type	Wood
Lot Area	4,375 sqft (0.1 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	561 CAMBRIDGE ST
City	CAMBRIA
State	CA
Zip	93428-2740
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	PM 45/33 PAR 1
Legal Subdivision	PARCEL MAP CO 88 173
Legal Block	2
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2024
Census Tract	10403

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	Individual Name on Record
Mailing Address	561 CAMBRIDGE ST, CAMBRIA, CA 93428-2740
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage OWNING CORPORATION
Jun 28, 2019	Grant Deed, Transfer · Conventional Mortgage KARPE MORTGAGE INC
May 25, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2019 · Amount on Record
Deed Sale	Jun 28, 2019 · Amount on Record
Prior Sale	May 13, 2011 · Amount on Record
Deed Document Number	201925290
Last Transfer Date	Sep 22, 2020
Transfer Doc	0000057779
Record Updated	Oct 29, 2026

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 15, 2020
Property Address	561 CAMBRIDGE ST, CAMBRIA, CA 93428-2740
Document Number	0000057779
Map Reference	MB 45 PG 33
Instrument Date	Sep 22, 2020
Instrument	2020057779
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	WFG NATIONAL TITLE

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	561 CAMBRIDGE ST, CAMBRIA, CA 93428-2740

Mortgage

Document Number	0000057780
Date	Oct 15, 2020
Instrument	2020057780

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 28, 2019
Property Address	561 CAMBRIDGE ST, CAMBRIA, CA 93428-2740
Document Number	0000025290
Map Reference	MB 45 PG 33
Instrument Date	Jun 11, 2019
Instrument	2019025290
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	PLACER 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	Tenants in Common
Address	6212 SUMMER CT, BAKERSFIELD, CA 93308-6909

Mortgage

Document Number	0000025291
Date	Jun 28, 2019
Instrument	2019025291

Lender

Name	KARPE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 25, 2018
Property Address	561 CAMBRIDGE ST, CAMBRIA, CA 93428-2740
Document Number	0000021481
Instrument Date	May 14, 2018
Instrument	21481
Transaction Type	Transfer
Record Updated	Jun 7, 2018
Title Company	ATTORNEY ONLY

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	5246 LAKEWOOD DR VISALIA CA 932919111, VISALIA, CA 93291-9111

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		$910,257 (+2%) Land $512,020 Building $398,237
2025	$9,756.00 (+4.05%)	$892,410 (+4.04%) Land $501,981 Building $390,429
2023	$9,376.00 (+1.99%)	$857,759 Land $482,490 Building $375,269
2022	$9,193.00

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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