626 Ardath Dr, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 626 Ardath Dr, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,819 sqft · built 1997
Lot Size	0.08 acres (3,500 sqft)
Owner	Company Name on File
Last Sale	$879,000 (Jan 2017)
Tax Bill	$11,102 (2025)
Deeds & Mortgages	Nov 2022 Transfer Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`023-093-038`

Property Details

APN / Parcel Number

Primary APN	`023-093-038`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,819 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Construction Type	Wood
Lot Area	3,500 sqft (0.08 acres)
Terrain	Above Road/Slope
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	626 ARDATH DR
City	CAMBRIA
State	CA
Zip	93428-4502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TR 8 BL 228 LTS 7 & 8
Legal Tract	8
Legal Block	228
Legal Lot Number	7,8
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1061
Census Tract	10403

Owner

626 Ardath Dr is owned by a company that acquired it in November 2022.

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

Owner of Record	Company Name on File
Mailing Address	10229 N ARCHIE AVE, FRESNO, CA 93730-4518
Owner Type	Company
Vesting	Borrower in Default

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

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2022	Intrafamily Transfer, Transfer
Jan 11, 2017	Grant Deed, Transfer · Conventional Mortgage HERITAGE OAKS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2017 · Amount on File
Deed Sale	Jan 11, 2017 · Amount on File
Prior Sale	Jun 11, 1996 · Amount on File
Deed Document Number	20171441
Last Transfer Date	Nov 3, 2022
Transfer Doc	0000044925
Record Updated	Sep 20, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 15, 2022
Property Address	626 ARDATH DR, CAMBRIA, CA 93428-4502
Document Number	0000044925
Map Reference	MB 5 PG 21
Instrument Date	Nov 3, 2022
Instrument	2022044925
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Family Trust
Address	10229 N ARCHIE AVE, FRESNO, CA 93730-4518

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 11, 2017
Property Address	626 ARDATH DR, CAMBRIA, CA 93428-4502
Document Number	0000001441
Map Reference	MB5 PG21
Instrument Date	Oct 26, 2016
Instrument	2017001441
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount on Record
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	246 W SHAW AVE, FRESNO, CA 93704-2644
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001442
Date	Jan 11, 2017
Instrument	2017001442

Lender

Name	HERITAGE OAKS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 626 Ardath Dr was $11,102.

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		$1,040,552 (+2%) Land $651,086 Building $389,466
2025	$11,102.00	$1,020,150 Land $638,320 Building $381,830
2023	$10,671.00 (+1.99%)	$980,538 Land $613,534 Building $367,004
2022	$10,463.00

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

Flood

FEMA maps place 626 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 626 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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