1889 Benson Ave, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 1889 Benson Ave, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,152 sqft · built 1972
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$446,500 (Jul 2009)
Tax Bill	$6,424 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`023-112-010`

Property Details

APN / Parcel Number

Primary APN	`023-112-010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	1,152 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Construction Type	Wood
Lot Area	7,000 sqft (0.161 acres)
Terrain	Below Road/Slope
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1889 BENSON AVE
City	CAMBRIA
State	CA
Zip	93428-5411
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES TR 8 BL 222 LT 22 TO 25
Legal Tract	8
Legal Block	222
Legal Lot Number	22
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1069
Census Tract	10403

Owner

Source: San Luis Obispo County records, as of August 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	225 TRAVIS DR, LOS OSOS, CA 93402-4315
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage BOFI FEDERAL BANK
Sep 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage AXOS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2009 · Amount on Record
Deed Sale	Jul 2, 2009 · Amount on Record
Prior Sale	Oct 14, 1998 · Amount on Record
Deed Document Number	200935917
Prior Transfer Date	Oct 5, 2005
Prior Transfer Doc	0000086168
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1889 BENSON AVE, CAMBRIA, CA 93428-5411
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039791
Date	Sep 26, 2018
Instrument	2018039791

Lender

Name	BOFI FEDERAL BANK
Type	Bank
Address	SAN DIEGO, CA 92122

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1889 BENSON AVE, CAMBRIA, CA 93428-5411
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK EAST ESCRWO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036549
Date	Sep 3, 2019
Instrument	2019036549

Lender

Name	AXOS BANK
Type	Bank
Address	SAN DIEGO, CA 92122

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

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		$587,865 (+2%) Land $394,985 Building $192,880
2025	$6,424.00 (+4.1%)	$576,340 (+4.04%) Land $387,241 Building $189,099
2023	$6,171.00 (+2%)	$553,962 Land $372,205 Building $181,757
2022	$6,050.00

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 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	8 (1983–2023)
Claims Outside the SFHA	6 of 8
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 2 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 44% of the US · lower than 74% of California
Wildfire Likelihood	0.07% 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 609 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Astound Broadband.

Cell Coverage

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

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