2245 Tipton St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 2245 Tipton St, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,162 sqft · built 1986
Lot Size	0.301 acres (13,125 sqft)
Owner	Individual Name on Record
Last Sale	$1,130,000 (Apr 2022)
Tax Bill	$12,915 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Mar 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`023-033-003`

Property Details

APN / Parcel Number

Primary APN	`023-033-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,162 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Construction Type	Wood
Lot Area	13,125 sqft (0.301 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2245 TIPTON ST
City	CAMBRIA
State	CA
Zip	93428-4623
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES EST U 1 LT 57
Legal Subdivision	CAMBRIA PINES ESTATES
Legal Block	2
Legal Lot Number	57
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2070
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	Individual Name on Record
Mailing Address	2245 TIPTON ST, CAMBRIA, CA 93428-4623
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2022	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 13, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2022 · Amount on Record
Deed Sale	Apr 4, 2022 · Amount on Record
Deed Document Number	202214931
Prior Transfer Date	Mar 12, 2018
Prior Transfer Doc	0000009839
Record Updated	Oct 29, 2026

April 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 4, 2022
Property Address	2245 TIPTON ST, CAMBRIA, CA 93428-4623
Document Number	0000014931
Map Reference	MB 5 PG 9
Instrument Date	Feb 26, 2022
Instrument	2022014931
Transaction Type	Transfer
Record Updated	Apr 13, 2022
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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2245 TIPTON ST, CAMBRIA, CA 93428-4623

Mortgage

Document Number	0000014933
Date	Apr 4, 2022
Instrument	2022014933

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 13, 2018
Property Address	2245 TIPTON ST, CAMBRIA, CA 93428-4623
Document Number	0000009839
Instrument Date	Mar 12, 2018
Instrument	9839
Transaction Type	Transfer
Record Updated	Mar 22, 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	Revocable Trust
Address	2245 TIPTON ST CAMBRIA CA 934284623, CAMBRIA, CA 93428-4623

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		$1,223,147 (+2%) Land $595,337 Building $627,810
2025	$12,915.00 (+4.04%) Homeowner's exemption	$1,199,164 (+4.04%) Land $583,664 Building $615,500
2023	$12,413.00 (+149.41%) Homeowner's exemption	$1,152,600 Land $561,000 Building $591,600
2022	$4,977.00

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 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	8 (1995–2021)
Claims Outside the SFHA	6 of 8
Most Recent Claim	Jan 2021 · tidal / storm surge
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 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	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

5G (outdoors only) and 4G LTE

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