2281 Benson Ave, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 2281 Benson Ave, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,384 sqft · built 1962
Lot Size	0.169 acres (7,350 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,862 (2025)
Deeds & Mortgages	Jul 2022 Reverse Mortgage Aug 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`023-068-002`

Property Details

APN / Parcel Number

Primary APN	`023-068-002`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,384 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Construction Type	Wood
Lot Area	7,350 sqft (0.169 acres)
Terrain	Below Road/Slope
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2281 BENSON AVE
City	CAMBRIA
State	CA
Zip	93428-4505
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TR 61 BL 4 LT 2
Legal Subdivision	SUNSET VIEW 61
Legal Tract	61
Legal Block	4
Legal Lot Number	2
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	2 Individual Names on Record
Mailing Address	2281 BENSON AVE, CAMBRIA, CA 93428-4505
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2022	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Aug 11, 2022	Intrafamily Transfer, Transfer PLACER TITLE COMPANY
May 23, 2020	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 14, 2022
Transfer Doc	0000032704
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2281 BENSON AVE, CAMBRIA, CA 93428-4505
Transaction Type	Mortgage
Record Updated	Jul 26, 2022
Title Company	FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2281 BENSON AVE, CAMBRIA, CA 93428-4505

Mortgage

Document Number	0000027435
Date	Jul 1, 2022
Instrument	2022027435

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	880 Months
Due	Nov 26, 2095

Interest

Rate Type	Adjustable Rate

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 11, 2022
Property Address	2281 BENSON AVE, CAMBRIA, CA 93428-4505
Document Number	0000032704
Map Reference	MB 5 PG 78
Instrument Date	Jun 14, 2022
Instrument	2022032704
Transaction Type	Transfer
Record Updated	Aug 30, 2022
Title Company	PLACER TITLE COMPANY

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	Joint Tenants
Address	2281 BENSON AVE, CAMBRIA, CA 93428-4505

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2281 BENSON AVE, CAMBRIA, CA 93428-4505
Document Number	0000029125
Instrument Date	May 23, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2281 BENSON AVE CAMBRIA CA 934284505, CAMBRIA, CA 93428-4505

Mortgage

Document Number	0000029125
Date	Jun 15, 2020
Instrument	29125

Lender

Name	AMERICAN ADVISORS
Address	3800 W CHAPMAN AVE # 6TH, ORANGE, CA 92868-1638

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	900 Months
Due	Jun 14, 2095

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		$823,776 (+2%) Land $328,381 Building $495,395
2025	$8,862.00 (+4.06%)	$807,625 (+4.04%) Land $321,943 Building $485,682
2023	$8,516.00 (+1.99%)	$776,266 Land $309,443 Building $466,823
2022	$8,350.00

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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