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2255 Madison St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 2255 Madison St, Cambria, CA 93428 · Last verified January 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,775 sqft · built 1998
Lot Size0.08 acres (3,500 sqft)
OwnerIndividual Name on File
Last Sale$405,000 (Apr 1999)
Tax Bill$7,041 (2025)
Deeds & MortgagesDec 2025 Mortgage
May 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN023-052-013

Property Details

APN / Parcel Number

Primary APN023-052-013

Interior

Bedrooms3 Beds
Full Baths3 Baths
Total Rooms6 Rooms
Building Area1,775 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1998
Construction TypeWood
Lot Area3,500 sqft (0.08 acres)
TerrainBelow Road/Slope
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemForced Air
SewerConnected

Location & Zoning

Street Address2255 MADISON ST
CityCAMBRIA
StateCA
Zip93428-4556
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCAM PINES M U 7 BL 179 LT 20 & 21
Legal SubdivisionCAMBRIA PINES MANOR 07
Legal Block179
Legal Lot Number20,21 21
JurisdictionSAN LUIS OBISPO CA
Township / Civil DivisionNORTH COAST
Census Block Group1
Census Block1031
Census Tract10403

Owner

Source: San Luis Obispo County records · APN 023-052-013

Assessment roll updated July 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address2255 MADISON ST, CAMBRIA, CA 93428-4556
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 08, 2025Intrafamily Transfer, Transfer · Conventional Mortgage
LOANDEPOT.COM LLC
May 16, 2019Deed of Trust, Mortgage · Conventional Mortgage
BETTY A KERR

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 27, 1999 · Amount on Record
Deed SaleApr 27, 1999 · Amount on Record
Prior SaleNov 08, 2010
Deed Document Number0000029794
Deed Book / Page023
Last Transfer DateDec 08, 2025
Transfer Doc0000037537
Record UpdatedJun 08, 2026

December 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN LUIS OBISPO CA
Recording DateDec 08, 2025
Property Address2255 MADISON ST, CAMBRIA, CA 93428-4556
Document Number0000037537
Map ReferenceMB 5 PG 16
Instrument DateNov 10, 2025
Instrument2025037537
Transaction TypeTransfer
Record UpdatedJan 06, 2026
Title CompanyATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2255 MADISON ST, CAMBRIA, CA 93428-4556

Mortgage

Document Number0000037538
DateDec 08, 2025
Instrument2025037538
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 01, 2055

May 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN LUIS OBISPO CA
Property Address2255 MADISON ST, CAMBRIA, CA 93428-4556
Document Number0000018895
Instrument DateMay 16, 2019
Transaction TypeMortgage
Record UpdatedMay 30, 2019
Title CompanyPLACER TITLE COMPANY, PLACER TITLE CO.

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address615 DRAKE ST CAMBRIA CA 934284547, CAMBRIA, CA 93428-4547

Mortgage

Document Number0000018895
DateMay 21, 2019
Instrument18895
Lender
NameBETTY A KERR
Address286 CHESTERFIELD, NEWPORT BEACH, CA 92660-4222
Agreement
TypeConventional Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: San Luis Obispo County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Luis Obispo County
Unified School DistrictCoast Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2025$7,041.00 (+4.08%)$634,901 (+4.04%) Land $297,854 Building $337,047
2023$6,765.00 (+2.01%)$610,249 Land $286,289 Building $323,960
2022$6,632.00

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 060790104031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 12 individual NFIP policies nearby
Nearby Flood Policies12 in force
Nearby Flood Claims8 (1983–2023)
Claims Outside the SFHA6 of 8
Most Recent ClaimJan 2023, rainfall accumulation, Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims By Storm
  • Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 2 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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 382 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000

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

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