2591 Madison St, Cambria, CA 93428 Property Records

San Luis Obispo County property record for 2591 Madison St, Cambria, CA 93428

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,112 sqft · built 2020
Lot Size	0.069 acres (2,994 sqft)
Owner	Company Name on File
Last Sale	$1,320,000 (Jun 2020)
Tax Bill	$15,464 (2025)
Deeds & Mortgages	Jun 2020 Sale Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`023-019-039`

Property Details

APN / Parcel Number

Primary APN	`023-019-039`
Alternative APN	`023019023`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,112 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Wood
Lot Area	2,994 sqft (0.069 acres)
Terrain	Steep
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2591 MADISON ST
City	CAMBRIA
State	CA
Zip	93428-4519
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	CAM PINES MU 7 BL 182 LT 38 & PTN ABD RD
Legal Subdivision	CAMBRIA PINES MANOR
Legal Block	182
Legal Lot Number	38
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2052
Census Tract	10403

Owner

Source: San Luis Obispo County records, as of August 6, 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	Company Name on File
Mailing Address	PO BOX 1702, IDYLLWILD, CA 92549-1702
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2020	Grant Deed, Transfer PLACER TITLE COMPANY, PLACER TITLE CO.
Dec 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage MORALES LANCE FAMILY TR (PT)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2020 · Amount on File
Deed Sale	Jun 24, 2020 · Amount on File
Prior Sale	May 14, 2004 · Amount on File
Deed Document Number	202031205
Record Updated	Oct 29, 2026

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 24, 2020
Property Address	2591 MADISON ST, CAMBRIA, CA 93428-4519
Document Number	0000031205
Instrument Date	Jun 15, 2020
Instrument	31205
Transaction Type	Transfer
Record Updated	Jul 2, 2020
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount on Record
Tax	$1,452.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	PO BOX 1702 IDYLLWILD CA 925491702, IDYLLWILD, CA 92549-1702

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2591 MADISON ST, CAMBRIA, CA 93428-4519
Document Number	0000058074
Instrument Date	Dec 12, 2019
Transaction Type	Mortgage
Record Updated	Jan 10, 2020
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	PO BOX 1958 FREEDOM CA 950191958, FREEDOM, CA 95019-1958

Mortgage

Document Number	0000058074
Date	Dec 26, 2019
Instrument	58074

Lender

Name	MORALES LANCE FAMILY TR (PT)
Address	605 WARREN RD, CAMBRIA, CA 93428-4533

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

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		$1,472,479 (+2%) Land $1,059,740 Building $412,739
2025	$15,464.00 (+3.97%)	$1,443,608 (+4.04%) Land $1,038,961 Building $404,647
2023	$14,874.00 (+1.97%)	$1,387,553 Land $998,618 Building $388,935
2022	$14,587.00

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 78% of California
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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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