2406 Madison St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 2406 Madison St, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 810 sqft · built 1958
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$710,000 (Mar 2026)
Tax Bill	$1,855 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jan 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`023-025-018`

Property Details

APN / Parcel Number

Primary APN	`023-025-018`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Building Area	810 sqft Living Area

Exterior

Year Built	Built 1958
Construction Type	Wood
Lot Area	5,000 sqft (0.115 acres)

Location & Zoning

Street Address	2406 MADISON ST
City	CAMBRIA
State	CA
Zip	93428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CAM PINES M U 7 BL 186 LTS 25 & 26
Legal Subdivision	CAMBRIA PINES MANOR UN 7
Legal Block	186
Legal Lot Number	25,26
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2054
Census Tract	10403

Owner

Source: San Luis Obispo County records, as of August 4, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1158 M ST, NEWMAN, CA 95360-1018
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2026	Grant Deed, Transfer · Conventional Mortgage EQUITY SMART HOME LOANS INC
Jan 28, 2019	Affidavit of Death, Transfer
Jan 28, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2026 · Amount on Record
Deed Sale	Mar 20, 2026 · Amount on Record
Deed Document Number	20268451
Prior Transfer Date	May 28, 2024
Prior Transfer Doc	0000014782
Record Updated	Sep 20, 2026

March 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 20, 2026
Property Address	2406 MADISON ST, CAMBRIA, CA 93428
Document Number	0000008451
Map Reference	MB 5 PG 16
Instrument Date	Mar 11, 2026
Instrument	2026008451
Transaction Type	Transfer
Record Updated	Apr 7, 2026
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
Relationship	Community Property
Address	1158 M ST, NEWMAN, CA 95360-1018

Mortgage

Document Number	0000008452
Date	Mar 20, 2026
Instrument	2026008452

Lender

Name	EQUITY SMART HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

January 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 28, 2019
Property Address	2406 MADISON ST, CAMBRIA, CA 93428
Document Number	0000003103
Instrument Date	Jan 15, 2019
Instrument	3103
Transaction Type	Transfer
Record Updated	Feb 6, 2019

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1525 S BISHOP AVE KERMAN CA 936309225, KERMAN, CA 93630-9225

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 28, 2019
Property Address	2406 MADISON ST, CAMBRIA, CA 93428
Document Number	0000003104
Instrument Date	Jan 15, 2019
Instrument	3104
Transaction Type	Transfer
Record Updated	Feb 6, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1525 S BISHOP AVE KERMAN CA 936309225, KERMAN, CA 93630-9225

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of August 6, 2025

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		$728,280 (+409.61%) Land $520,200 Building $208,080
2025	$1,855.00 (+2.43%)	$142,909 (+4.04%) Land $84,920 Building $57,989
2024	$1,811.00 (+1.97%)
2023	$1,776.00 (+2.13%)	$137,361 Land $81,623 Building $55,738
2022	$1,739.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	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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