2242 Madison St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 2242 Madison St, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 4,144 sqft · built 2003
Lot Size	0.207 acres (9,000 sqft)
Owner	Company Name on Record
Last Sale	$1,800,000 (Dec 2021)
Tax Bill	$20,484 (2025)
Deeds & Mortgages	May 2024 Transfer Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`023-068-027`

Property Details

APN / Parcel Number

Primary APN	`023-068-027`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	3 Stories
Building Area	4,144 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Construction Type	Wood
Lot Area	9,000 sqft (0.207 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2242 MADISON ST
City	CAMBRIA
State	CA
Zip	93428-4514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	TR 61 BL 4 PTN LTS 12 & 13
Legal Subdivision	TRACT NO 61
Legal Tract	61
Legal Block	4
Legal Lot Number	12,13
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1030
Census Tract	10403

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	205 N SAN MATEO AVE, VENTURA, CA 93004-1189
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
May 9, 2024	Intrafamily Transfer, Transfer
Dec 1, 2021	Grant Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Aug 14, 2020	Grant Deed, Transfer PLACER TITLE COMPANY, PLACER TITLE CO.

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2021 · Amount on Record
Deed Sale	Dec 1, 2021 · Amount on Record
Prior Sale	Aug 14, 2020 · Amount on Record
Deed Document Number	202179131
Last Transfer Date	May 8, 2024
Transfer Doc	0000012456
Record Updated	Oct 29, 2026

May 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 9, 2024
Property Address	2242 MADISON ST, CAMBRIA, CA 93428-4514
Document Number	0000012456
Map Reference	MB 5 PG 78
Instrument Date	May 8, 2024
Instrument	2024012456
Transaction Type	Transfer
Record Updated	May 20, 2024

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	205 N SAN MATEO AVE, VENTURA, CA 93004-1189

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 1, 2021
Property Address	2242 MADISON ST, CAMBRIA, CA 93428-4514
Document Number	0000079131
Map Reference	MB 5 PG 78
Instrument Date	Nov 3, 2021
Instrument	2021079131
Transaction Type	Transfer
Record Updated	Dec 10, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN 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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2242 MADISON ST, CAMBRIA, CA 93428-4514

Mortgage

Document Number	0000079132
Date	Dec 1, 2021
Instrument	2021079132

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 14, 2020
Property Address	2242 MADISON ST, CAMBRIA, CA 93428-4514
Document Number	0000042889
Instrument Date	Aug 5, 2020
Instrument	42889
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount Recorded
Tax	$1,649.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2242 MADISON ST CAMBRIA CA 934284514, CAMBRIA, CA 93428-4514

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		$1,948,376 (+2%) Land $703,580 Building $1,244,796
2025	$20,484.00 (+4%)	$1,910,174 (+4.04%) Land $689,785 Building $1,220,389
2023	$19,696.00 (+1.98%)	$1,836,000 Land $663,000 Building $1,173,000
2022	$19,314.00

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	Low lower than 65% of the US · lower than 79% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 382 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 only, no 5G reported

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