San Luis Obispo County property record for 243 Chatham Ln, Cambria, CA 93428
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,588 sqft · built 1930 |
| Lot Size | 0.08 acres (3,500 sqft) |
| Owner | Company Name on File |
| Last Sale | $639,000 (Sep 2011) |
| Tax Bill | $8,603 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 022-014-021 |
| Primary APN | 022-014-021 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,588 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Construction Type | Wood |
| Lot Area | 3,500 sqft (0.08 acres) |
| Parking Spaces | 1 Parking Space |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 243 CHATHAM LN |
|---|---|
| City | CAMBRIA |
| State | CA |
| Zip | 93428-2201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | CAM PINES U 2 BL 3 LTS 45 & 46 |
| Legal Subdivision | CAMBRIA PINES |
| Legal Block | 3 |
| Legal Lot Number | 45,46 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 10403 |
243 Chatham Ln is owned by a company that bought it in September 2011 and is owner-occupied.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 243 CHATHAM LN, CAMBRIA, CA 93428-2201 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 30, 2011 · Amount on File |
| Deed Sale | Sep 30, 2011 · Amount on File |
| Prior Sale | Jul 23, 2003 · Amount on File |
| Deed Document Number | 201147577 |
| Prior Transfer Date | Sep 23, 2011 |
| Prior Transfer Doc | 0000027787 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 243 Chatham Ln was $8,603 with a homeowner's exemption.
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Unified School District | Coast Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $805,844 (+2%) Land $371,533 Building $434,311 | |
| 2025 | $8,603.00 Homeowner's exemption | $790,045 Land $364,249 Building $425,796 |
| 2023 | $8,265.00 (+2.01%) Homeowner's exemption | $759,368 Land $350,105 Building $409,263 |
| 2022 | $8,102.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 243 Chatham Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| 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 |
|
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 risk around 243 Chatham Ln is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.01% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 62 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Starlink Satellite | 280 / 30 |
5G (outdoors only) and 4G LTE
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