101 Mesa de Oro Cir, Sutter Creek, CA 95685 Property Records

Amador County property record for 101 Mesa de Oro Cir, Sutter Creek, CA 95685

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,489 sqft · built 2004
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Trust Names on File
Last Sale	$230,000 (Oct 2008)
Tax Bill	$3,929 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Aug 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`018-343-023-000`

Property Details

APN / Parcel Number

Primary APN	`018-343-023-000`
Alternative APN	`1834302300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,489 sqft Living Area
1st Floor Area	1,489 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Wood
Lot Area	5,227 sqft (0.12 acres)
Garage Type	Attached
Garage Area	449 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	101 MESA DE ORO CIR
City	SUTTER CREEK
State	CA
Zip	95685-4114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NC
Legal Description	LOT 11 MESA DE ORO SUBN
Legal Subdivision	MESA DE ORO SUBN
Legal Lot Number	11
Jurisdiction	AMADOR CA
Township / Civil Division	SUTTER CREEK-PLYMOUTH
Census Block Group	3
Census Block	3029
Census Tract	401

Owner

101 Mesa de Oro Cir is owner-occupied and held in a trust since July 2021.

Source: Amador County records, as of July 21, 2026

Owner of Record	2 Trust Names on File
Mailing Address	101 MESA DE ORO CIR, SUTTER CREEK, CA 95685-4114
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Affidavit of Death of Trustee, Transfer · Conventional Mortgage AMERA MORTGAGE CORPORATION
Aug 31, 2021	Intrafamily Transfer, Transfer
Mar 29, 2017	Deed of Trust, Mortgage · ARM CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2008 · Amount on File
Deed Sale	Oct 10, 2008 · Amount on File
Deed Document Number	20088410
Last Transfer Date	Jul 27, 2021
Transfer Doc	0000010063
Record Updated	Sep 20, 2026

April 2026: Affidavit of Death of Trustee, Transfer

Document Type	Affidavit of Death of Trustee
Jurisdiction	AMADOR CA
Recording Date	Apr 28, 2026
Property Address	101 MESA DE ORO CIR, SUTTER CREEK, CA 95685-4114
Document Number	0000002349
Instrument Date	Apr 22, 2026
Instrument	20262349
Transaction Type	Transfer
Record Updated	Jul 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	101 MESA DE ORO CIR, SUTTER CREEK, CA 95685-4114

Mortgage

Document Number	0000002350,
Date	Apr 28, 2026
Instrument	20262350

Lender

Name	AMERA MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	AMADOR CA
Recording Date	Aug 31, 2021
Property Address	101 MESA DE ORO CIR, SUTTER CREEK, CA 95685-4114
Document Number	0000010063
Map Reference	MB 6 PG 12
Instrument Date	Jul 27, 2021
Instrument	2021-0010063
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
Address	PO BOX 1221, JACKSON, CA 95642-1221

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMADOR CA
Property Address	101 MESA DE ORO CIR, SUTTER CREEK, CA 95685-4114
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	ADVANTAGE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002360
Date	Mar 29, 2017
Instrument	2017-0002360

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	ARM

Interest

Rate Type	Adjustable Rate
Type Change Date	Apr 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8%

Tax Assessment & Valuation

The 2025 property tax bill for 101 Mesa de Oro Cir was $3,929, up 1.9% from the year before.

Source: Amador County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	California
County	Amador County
Municipality	Sutter Creek City
Unified School District	Amador County Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$403,595 (+2%) Land $157,612 Building $245,983
2025	$3,929.00 (+1.95%) Homeowner's exemption	$395,682 Land $154,522 Building $241,160
2024	$3,854.00 (+2.04%)		$359,730
2023	$3,777.00 (+1.92%) Homeowner's exemption	$380,320 Land $148,523 Building $231,797
2022	$3,706.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 101 Mesa de Oro Cir in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1986.

Source: FEMA National Flood Hazard Layer, effective June 30, 2022 · 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
Nearby Flood Policies	3 in force
Nearby Flood Claims	9 (1986–2017)
Claims Outside the SFHA	5 of 9
Most Recent Claim	Jan 2017 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 5 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

Wildfire risk around 101 Mesa de Oro Cir is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 61% of the US · lower than 62% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within 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	AWA, TANNER serves 4,940 people · EPA ID CA0310003
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 265 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cal.net, GeoLinks.

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