This is a short, but very interesting update to my previous experience at Arroyo Burro Beach in Santa Barbara California 'Spirit voice on the beach'. Please read that experience if you haven't yet.
I have researched known ghosts of Santa Barbara several times over the years to try to find the ghost I heard that night. Now I think I have, the Eling's Park "Queen Maab" ghost.
Search this book in Google books, pg. 117- 'Spooky Trails and Tall Tales California: Hiking the Golden State's Legends', the link is much too long.
Map of Eling's Park just north and basically attached to Arroyo Burro Beach Park-
I'm surprised I never found this before now. She fits my experience quite well, I think, with the 'whispering in the ear' part from the book in that first link and other aspects of the Eling's Park ghost descriptions.
I was reminded of this experience and looked into it again because I've gotten back into painting, and I'm working on a piece that I started several years ago depicting my brother and I on the beach one night getting a rude awakening when we fell asleep in our sleeping bags too close to the incoming tide, lolol!
I'm planning to paint a small figure representing the ghost lady up on the cliffs above us. Yes, I slept on the beach once more after the ghost experience, I guess I felt braver with my brother. We didn't have any paranormal experiences that night, just a very cold and unexpected soak in the ocean!