778 Main St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 778 Main St, Cambria, CA 93428 · Last verified August 2026

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2,200 sqft · built 1982
Lot Size	0.046 acres (2,000 sqft)
Owner	Company Name on File
Last Sale	$500,000 (Dec 2016)
Tax Bill	$6,758 (2025)
Deeds & Mortgages	Aug 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`022-124-007`

Property Details

APN / Parcel Number

Primary APN	`022-124-007`

Interior

Stories	2 Stories
Building Area	2,200 sqft Gross Area

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	2,000 sqft (0.046 acres)

Location & Zoning

Street Address	778 MAIN ST
City	CAMBRIA
State	CA
Zip	93428-2826
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	CAM PINES U 7 LT 66
Legal Subdivision	CAMBRIA PINES UN 7
Legal Block	1
Legal Lot Number	66
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1054
Census Tract	10404

Owner

Source: San Luis Obispo County records · APN 022-124-007

Assessment roll updated August 6, 2026 · Last verified August 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 File
Mailing Address	778 MAIN ST, 2, CAMBRIA, CA 93428-2826
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 15, 2016 · Amount on Record
Deed Sale	Dec 15, 2016 · Amount on Record
Deed Document Number	201665992
Record Updated	Sep 20, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	778 MAIN ST, CAMBRIA, CA 93428-2826
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038814
Date	Aug 30, 2017
Instrument	2017038814

Lender

Name	PACIFIC PREMIER BANK
Type	Bank
Address	IRVINE, CA 92614

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: San Luis Obispo County records · Assessment roll updated August 6, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value
2026		$591,892 (+2%) Land $236,756 Building $355,136
2025	$6,758.00 (+4.34%)	$580,287 (+4.04%) Land $232,114 Building $348,173
2023	$6,477.00 (+2.08%)	$557,755 Land $223,101 Building $334,654
2022	$6,345.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Luis Obispo County (06079C), updated July 22, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060790104041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 13 individual NFIP policies nearby
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 Storm	Severe Winter Storms And Flooding, Feb 1998 · 3 claims Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 8 claims

Wildfire

Wildfire Risk	Low above 38% of the US · above 23% of California
Wildfire Likelihood	About 1 in 1,852 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 304 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Radiate Holdings, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.