6432 Charing Ln, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 6432 Charing Ln, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,014 sqft · built 1984
Lot Size	3.1 acres (135,379 sqft)
Owner	2 Company Names on Record
Tax Bill	$15,940 (2025)
Deeds & Mortgages	Sep 2026 Transfer Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`013-331-001`

Property Details

APN / Parcel Number

Primary APN	`013-331-001`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	4,014 sqft Living Area
1st Floor Area	4,014 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Construction Type	Wood
Lot Area	135,379 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	6432 CHARING LN
City	CAMBRIA
State	CA
Zip	93428-2002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TR 358 LT 1
Legal Subdivision	TRACT NO 358
Legal Tract	358
Legal Block	1
Legal Lot Number	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1026
Census Tract	10404

Owner

Source: San Luis Obispo County records, as of September 23, 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	1482 E VALLEY RD, 200, SANTA BARBARA, CA 93108-1200
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Mar 11, 2021	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL NETWORK INC
Jan 11, 2022	Deed of Trust, Mortgage · VA Mortgage HOME POINT FINANCIAL CORPORATION
Apr 1, 2020	Deed of Trust, Mortgage · VA Mortgage ORION LNDG
Nov 15, 2017	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2016
Deed Sale	Feb 9, 2016
Prior Sale	Mar 15, 2012
Deed Document Number	20165831
Last Transfer Date	Jul 24, 2026
Transfer Doc	0000029259
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 15, 2026
Property Address	6432 CHARING LN, CAMBRIA, CA 93428-2002
Document Number	0000029259
Instrument Date	Jul 24, 2026
Instrument	202629259
Transaction Type	Transfer
Record Updated	Sep 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	6432 CHARING LN, CAMBRIA, CA 93428-2002
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6432 CHARING LN, CAMBRIA, CA 93428-2002

Mortgage

Document Number	0000018741
Date	Mar 11, 2021
Instrument	2021018741

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	ORANGE, CA 92868

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2051

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	6432 CHARING LN, CAMBRIA, CA 93428-2002
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6432 CHARING LN, CAMBRIA, CA 93428-2002

Mortgage

Document Number	0000001603
Date	Jan 11, 2022
Instrument	2022001603

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	6432 CHARING LN, CAMBRIA, CA 93428-2002
Document Number	0000038074
Instrument Date	Apr 1, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	6432 CHARING LN CAMBRIA CA 934282002, CAMBRIA, CA 93428-2002

Mortgage

Document Number	0000038074
Date	Jul 24, 2020
Instrument	38074

Lender

Name	ORION LNDG
Address	ORANGE, CA 92868

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	6432 CHARING LN, CAMBRIA, CA 93428-2002
Document Number	0000053588
Instrument Date	Nov 15, 2017
Transaction Type	Mortgage
Record Updated	Dec 1, 2017
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	6432 CHARING LN CAMBRIA CA 934282002, CAMBRIA, CA 93428-2002

Mortgage

Document Number	0000053588
Date	Nov 21, 2017
Instrument	53588

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 20, 2047

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		$1,505,372 (+2%) Land $640,583 Building $864,789
2025	$15,940.00 (+4.05%)	$1,475,856 (+4.04%) Land $628,023 Building $847,833
2023	$15,319.00 (+1.99%)	$1,418,548 Land $603,637 Building $814,911
2022	$15,020.00

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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