2298 Tipton St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 2298 Tipton St, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,692 sqft · built 1983
Lot Size	0.154 acres (6,708 sqft)
Owner	Individual Name on File
Last Sale	$935,000 (Jun 2026)
Tax Bill	$6,934 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`023-036-028`

Property Details

APN / Parcel Number

Primary APN	`023-036-028`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,692 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Construction Type	Wood
Lot Area	6,708 sqft (0.154 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	2298 TIPTON ST
City	CAMBRIA
State	CA
Zip	93428-4624
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PM 5/27 PAR B
Legal Subdivision	CAMBRIA PINES ESTATES 01
Legal Block	2
Legal Lot Number	56
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2069
Census Tract	10403

Owner

2298 Tipton St is owned by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	778 MAIN ST, A, CAMBRIA, CA 93428-2826
Owner Type	Individual
Vesting	Community Property

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

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2026	Grant Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE, LTD.
Sep 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD
Feb 7, 2019	Affidavit of Death, Transfer PLACER TITLE COMPANY, PLACER TITLE CO.
Feb 7, 2019	Grant Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2026 · Amount on File
Deed Sale	Jun 11, 2026 · Amount on File
Prior Sale	Feb 7, 2019 · Amount on File
Deed Document Number	202618375
Prior Transfer Date	Dec 17, 2001
Prior Transfer Doc	0000009523
Record Updated	Oct 29, 2026

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 11, 2026
Property Address	2298 TIPTON ST, CAMBRIA, CA 93428-4624
Document Number	0000018375
Instrument Date	May 29, 2026
Instrument	202618375
Transaction Type	Transfer
Record Updated	Jun 18, 2026
Title Company	E-PLACER TITLE, PLACER TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$103,878.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	778 MAIN ST, CAMBRIA, CA 93428-2826

Mortgage

Document Number	0000018376,
Date	Jun 11, 2026
Instrument	202618376

Lender

Name	ENVOY MORTGAGE, LTD.

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2298 TIPTON ST, CAMBRIA, CA 93428-4624
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19071 PARADISE MOUNTAIN RD, VALLEY CENTER, CA 92082-7505

Mortgage

Document Number	0000049204
Date	Sep 10, 2020
Instrument	2020049204

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

February 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 7, 2019
Property Address	2298 TIPTON ST, CAMBRIA, CA 93428-4624
Document Number	0000004379
Instrument Date	Jan 15, 2019
Instrument	4379
Transaction Type	Transfer
Record Updated	Feb 14, 2019
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2298 TIPTON ST CAMBRIA CA 934284624, CAMBRIA, CA 93428-4624

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 7, 2019
Property Address	2298 TIPTON ST, CAMBRIA, CA 93428-4624
Document Number	0000004380
Map Reference	MB 5 PG 27
Instrument Date	Jan 10, 2019
Instrument	2019004380
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER TITLE CO

Transaction

Amount	Amount on Record
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	19071 PARADISE MOUNTAIN RD, VALLEY CENTER, CA 92082-7505

Mortgage

Document Number	0000004381
Date	Feb 7, 2019
Instrument	2019004381

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2298 Tipton St was $6,934, up 2.3% from the year before.

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		$637,179 (+2%) Land $341,347 Building $295,832
2025	$6,934.00 (+2.3%)	$624,686 Land $334,654 Building $290,032
2024	$6,778.00 (+1.76%)
2023	$6,661.00 (+2.01%)	$600,431 Land $321,660 Building $278,771
2022	$6,530.00

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

Flood

FEMA maps place 2298 Tipton St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1995.

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 File 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

Wildfire risk around 2298 Tipton St is low, with a 0.02% annual chance of 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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