650 Ashby Ln, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 650 Ashby Ln, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,542 sqft · built 1997
Lot Size	0.115 acres (5,000 sqft)
Owner	Company Name on Record
Last Sale	$1,065,000 (Apr 2021)
Tax Bill	$12,427 (2025)
Deeds & Mortgages	Aug 2021 Transfer Apr 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`022-083-016`

Property Details

APN / Parcel Number

Primary APN	`022-083-016`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	2,542 sqft Living Area
1st Floor Area	475 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Construction Type	Wood
Lot Area	5,000 sqft (0.115 acres)
Terrain	Below Road/Slope
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	650 ASHBY LN
City	CAMBRIA
State	CA
Zip	93428-2402
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES U 3 BL 19 LTS 60 & 61
Legal Subdivision	CAMBRIA PINES 03
Legal Block	19
Legal Lot Number	60,61
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1063
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	650 ASHBY LN, CAMBRIA, CA 93428-2402
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2021	Intrafamily Transfer, Transfer
Apr 9, 2021	Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Apr 9, 2021	Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Feb 11, 2021	Trustee's Deed, Foreclosure ACCOMODATION, ACCOMMODATION
Jul 13, 2018	Grant Deed, Transfer · Construction Mortgage ATHAS CAP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2021 · Amount on Record
Deed Sale	Apr 9, 2021 · Amount on Record
Prior Sale	Feb 11, 2021 · Amount on Record
Deed Document Number	202126840
Last Transfer Date	Aug 9, 2021
Transfer Doc	0000057525
Record Updated	Oct 29, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 18, 2021
Property Address	650 ASHBY LN, CAMBRIA, CA 93428-2402
Document Number	0000057525
Map Reference	MB 3 PG 110
Instrument Date	Aug 9, 2021
Instrument	2021057525
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	495 ELLIS ST, PASADENA, CA 91105-1616

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 9, 2021
Property Address	650 ASHBY LN, CAMBRIA, CA 93428-2402
Document Number	0000026840
Map Reference	MB 3 PG 110
Instrument Date	Mar 31, 2021
Instrument	2021026840
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	495 ELLIS ST, PASADENA, CA 91105-1616

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 9, 2021
Property Address	650 ASHBY LN, CAMBRIA, CA 93428-2402
Document Number	0000026839
Map Reference	MB 3 PG 110
Instrument Date	Mar 31, 2021
Instrument	2021026839
Transaction Type	Transfer
Record Updated	Mar 3, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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
Address	120 ERIE CANAL DR STE 240, 240, ROCHESTER, NY 14626-4609

February 2021: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 11, 2021
Property Address	650 ASHBY LN, CAMBRIA, CA 93428-2402
Document Number	0000011307
Map Reference	MB 3 PG 110
Instrument Date	Jan 26, 2021
Instrument	2021011307
Transaction Type	Foreclosure
Record Updated	Mar 3, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1155 F ST NE # 1075, 1075, WASHINGTON, DC 20002

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 13, 2018
Property Address	650 ASHBY LN, CAMBRIA, CA 93428-2402
Document Number	0000028653
Instrument Date	May 11, 2018
Instrument	28653
Transaction Type	Transfer
Record Updated	Jul 19, 2018
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,149.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1241 KNOLLWOOD DR #141 CAMBRIA CA 934283322, 141, CAMBRIA, CA 93428-3322

Mortgage

Document Number	28656
Date	Jul 13, 2018
Instrument	28656

Lender

Name	ATHAS CAP
Type	Funding / Finance Company
Address	CALABASAS HILLS, CA 91301

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 12, 2019

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		$1,175,844 (+2%) Land $552,040 Building $623,804
2025	$12,427.00 (+4.05%) Homeowner's exemption	$1,152,789 (+4.04%) Land $541,216 Building $611,573
2023	$11,943.00 (+2%) Homeowner's exemption	$1,108,026 Land $520,200 Building $587,826
2022	$11,709.00

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	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 304 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Astound Broadband.

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