784 Main St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 784 Main St, Cambria, CA 93428

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2 ba · 3,150 sqft · built 1930
Lot Size	0.046 acres (2,000 sqft)
Owner	Individual Name on Record
Last Sale	$930,000 (Feb 2026)
Tax Bill	$9,590 (2025)
Deeds & Mortgages	Feb 2026 Transfer Feb 2026 Sale & Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`022-124-009`

Property Details

APN / Parcel Number

Primary APN	`022-124-009`

Interior

Full Baths	2 Baths
Total Rooms	1 Room
Stories	2 Stories
Building Area	3,150 sqft Gross Area

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	2,000 sqft (0.046 acres)

Location & Zoning

Street Address	784 MAIN ST
City	CAMBRIA
State	CA
Zip	93428-2833
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	CAM PINES U 7 LT 68
Legal Subdivision	CAMBRIA PINES 07
Legal Block	1
Legal Lot Number	68
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, 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	Individual Name on Record
Mailing Address	4390 ROSITA AVE, ATASCADERO, CA 93422-2840
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2026	Intrafamily Transfer, Transfer PLACER TITLE COMPANY
Feb 2, 2026	Grant Deed, Transfer · Commercial Mortgage JSM TRUST
Dec 23, 2021	Grant Deed, Transfer PLACER TITLE COMPANY
Jul 11, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 11, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 11, 2018	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2026 · Amount on Record
Deed Sale	Feb 2, 2026 · Amount on Record
Prior Sale	Dec 23, 2021 · Amount on Record
Deed Document Number	20263068
Prior Transfer Date	Nov 25, 2003
Prior Transfer Doc	0000139070
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 2, 2026
Property Address	784 MAIN ST, CAMBRIA, CA 93428-2833
Document Number	0000003067
Map Reference	MB 5 PG 7
Instrument Date	Sep 23, 2025
Instrument	2026003067
Transaction Type	Transfer
Record Updated	Feb 13, 2026
Title Company	PLACER TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4390 ROSITA AVE, ATASCADERO, CA 93422-2840

February 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 2, 2026
Property Address	784 MAIN ST, CAMBRIA, CA 93428-2833
Document Number	0000003068
Map Reference	MB 5 PG 7
Instrument Date	Aug 11, 2025
Instrument	2026003068
Transaction Type	Transfer
Record Updated	Feb 13, 2026
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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4390 ROSITA AVE, ATASCADERO, CA 93422-2840

Mortgage

Document Number	0000003069
Date	Feb 2, 2026
Instrument	2026003069

Lender

Name	JSM TRUST
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 23, 2021
Property Address	784 MAIN ST, CAMBRIA, CA 93428-2833
Document Number	0000083313
Map Reference	MB 5 PG 7
Instrument Date	Dec 14, 2021
Instrument	2021083313
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	PO BOX 221231, CARMEL, CA 93922-1231

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 11, 2018
Property Address	784 MAIN ST, CAMBRIA, CA 93428-2833
Document Number	0000028261
Instrument Date	Jul 3, 2018
Instrument	28261
Transaction Type	Transfer
Record Updated	Jul 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	5232 OAKHURST DR CAMBRIA CA 934282919, CAMBRIA, CA 93428-2919

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 11, 2018
Property Address	784 MAIN ST, CAMBRIA, CA 93428-2833
Document Number	0000028260
Instrument Date	Jul 3, 2018
Instrument	28260
Transaction Type	Transfer
Record Updated	Jul 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	5232 OAKHURST DR CAMBRIA CA 934282919, CAMBRIA, CA 93428-2919

July 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 11, 2018
Property Address	784 MAIN ST, CAMBRIA, CA 93428-2833
Document Number	0000028259
Instrument Date	Jul 3, 2018
Instrument	28259
Transaction Type	Transfer
Record Updated	Jul 18, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	784 MAIN ST CAMBRIA CA 934282833, CAMBRIA, CA 93428-2833

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		$865,943 (+2%) Land $108,242 Building $757,701
2025	$9,590.00 (+4.22%)	$848,965 (+4.04%) Land $106,120 Building $742,845
2023	$9,202.00 (+2.05%)	$816,000 Land $102,000 Building $714,000
2022	$9,017.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.05% 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 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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