6359 Charing Ln, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 6359 Charing Ln, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,208 sqft · built 1990
Lot Size	0.792 acres (34,500 sqft)
Owner	Company Name on Record
Last Sale	$1,120,000 (Oct 2020)
Tax Bill	$13,128 (2025)
Deeds & Mortgages	May 2021 Mortgage May 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`013-331-049`

Property Details

APN / Parcel Number

Primary APN	`013-331-049`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,208 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Wood
Lot Area	34,500 sqft (0.792 acres)
Terrain	Steep
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	6359 CHARING LN
City	CAMBRIA
State	CA
Zip	93428-1905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TR 358 LT 38
Legal Subdivision	TRACT NO 358
Legal Tract	358
Legal Block	1
Legal Lot Number	38
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1019
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	13557 DELANO ST, VAN NUYS, CA 91401-3033
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
May 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
May 20, 2021	Intrafamily Transfer, Transfer
Oct 16, 2020	Grant Deed, Transfer · Commercial Mortgage ATHAS CAPITAL GROUP INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2020 · Amount on Record
Deed Sale	Oct 16, 2020 · Amount on Record
Deed Document Number	202058331
Last Transfer Date	May 7, 2021
Transfer Doc	0000037463
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	6359 CHARING LN, CAMBRIA, CA 93428-1905
Transaction Type	Mortgage
Record Updated	May 21, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13557 DELANO ST, VAN NUYS, CA 91401-3033

Mortgage

Document Number	0000034863
Date	May 10, 2021
Instrument	2021034863

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

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

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 20, 2021
Property Address	6359 CHARING LN, CAMBRIA, CA 93428-1905
Document Number	0000037463
Map Reference	MB 7 PG 36
Instrument Date	May 7, 2021
Instrument	2021037463
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	13557 DELANO ST, VALLEY GLEN, CA 91401-3033

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 16, 2020
Property Address	6359 CHARING LN, CAMBRIA, CA 93428-1905
Document Number	0000058331
Map Reference	MB 7 PG 36
Instrument Date	Sep 8, 2020
Instrument	2020058331
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 with Right of Survivorship
Address	13557 DELANO ST, VAN NUYS, CA 91401-3033

Mortgage

Document Number	0000058332
Date	Oct 16, 2020
Instrument	2020058332

Lender

Name	ATHAS CAPITAL GROUP INC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 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		$1,236,567 (+2%) Land $579,641 Building $656,926
2025	$13,128.00 (+4.03%)	$1,212,322 (+4.04%) Land $568,276 Building $644,046
2023	$12,620.00 (+1.98%)	$1,165,248 Land $546,210 Building $619,038
2022	$12,375.00

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	Moderate above 46% of the US · lower than 72% of California
Wildfire Likelihood	0.08% 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.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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