2498 Tipton St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 2498 Tipton St, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,755 sqft · built 1981
Lot Size	0.301 acres (13,125 sqft)
Owner	Company Name on Record
Tax Bill	$2,997 (2025)
Deeds & Mortgages	May 2022 Line of Credit Aug 2021 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`023-035-007`

Property Details

APN / Parcel Number

Primary APN	`023-035-007`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,755 sqft Living Area
1st Floor Area	1,755 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Lot Area	13,125 sqft (0.301 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2498 TIPTON ST
City	CAMBRIA
State	CA
Zip	93428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES EST U 1 LT 41
Legal Subdivision	CAMBRIA PINES ESTATES
Legal Block	2
Legal Lot Number	41
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2055
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	Company Name on Record
Mailing Address	1115 RADCLIFFE DR, DAVIS, CA 95616-0944
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
May 12, 2022	Deed of Trust, Mortgage · Line of Credit THE GOLDEN 1 CU
Aug 26, 2021	Intrafamily Transfer, Transfer
Nov 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROYAL PACIFIC FUNDING CORP
Nov 22, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 31, 2019	Quit Claim Deed, Transfer PUBLIC TITLE COMPANY, PUBLIC TITLE CO
Oct 23, 2019	Affidavit of Death, Mortgage · Conventional Mortgage AMERICAN HERITAGE LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 21, 2021
Transfer Doc	0000059248
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2498 TIPTON ST, CAMBRIA, CA 93428
Transaction Type	Mortgage
Record Updated	May 30, 2022
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1115 RADCLIFFE DR, DAVIS, CA 95616-0944

Mortgage

Document Number	0000020652
Date	May 12, 2022
Instrument	2022020652

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 26, 2021
Property Address	2498 TIPTON ST, CAMBRIA, CA 93428
Document Number	0000059248
Map Reference	MB 5 PG 9
Instrument Date	Aug 21, 2021
Instrument	2021059248
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Family Trust
Address	1115 REDLIFFE DRIVE, DAVIS, CA 95616
Investor	Possibly a Property Investor

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2498 TIPTON ST, CAMBRIA, CA 93428
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE RIVERSIDE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1115 RADCLIFFE DR, DAVIS, CA 95616-0944

Mortgage

Document Number	0000069615
Date	Nov 25, 2020
Instrument	2020069615

Lender

Name	ROYAL PACIFIC FUNDING CORP
Type	Lending Institution
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 22, 2019
Property Address	2498 TIPTON ST, CAMBRIA, CA 93428
Document Number	0000052568
Map Reference	MB 5 PG 9
Instrument Date	Nov 13, 2019
Instrument	2019052568
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TICOR TITLE

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	Community Property with Right of Survivorship
Address	2498 TIPTON ST, CAMBRIA, CA 93428

Mortgage

Document Number	0000052569
Date	Nov 22, 2019
Instrument	2019052569

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 31, 2019
Property Address	2498 TIPTON ST, CAMBRIA, CA 93428
Document Number	0000048411
Instrument Date	Oct 14, 2019
Instrument	48411
Transaction Type	Transfer
Record Updated	Nov 12, 2019
Title Company	PUBLIC TITLE COMPANY, PUBLIC TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1115 RADCLIFFE DR DAVIS CA 956160944, DAVIS, CA 95616-0944

October 2019: Affidavit of Death, Mortgage

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 23, 2019
Property Address	2498 TIPTON ST, CAMBRIA, CA 93428
Document Number	0000046748
Instrument Date	Oct 5, 2019
Instrument	46748
Transaction Type	Mortgage
Record Updated	Nov 4, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE ORANGE CN

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1115 RADCIFFE DR DAVIS CA 95616, DAVIS, CA 95616

Mortgage

Document Number	46749
Date	Oct 23, 2019
Instrument	46749

Lender

Name	AMERICAN HERITAGE LNDG
Address	COSTA MESA, CA 92627

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Mortgage

Document Number	46750,
Date	Oct 23, 2019
Instrument	46750

Lender

Name	COMMERCIAL LN
Type	Funding / Finance Company
Address	NEWPORT BEACH, CA 92660

Agreement

Amount	Amount Recorded

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		$256,253 (+2%) Land $69,047 Building $187,206
2025	$2,997.00 (+4.28%)	$251,230 (+4.04%) Land $67,694 Building $183,536
2023	$2,874.00 (+2.02%)	$241,476 Land $65,066 Building $176,410
2022	$2,817.00

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 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	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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