10632 Ridgetop Rd, Whitmore, CA 96096 Property Records

Shasta County property record for 10632 Ridgetop Rd, Whitmore, CA 96096

Property Summary

Property Type	Rural Home
Details	3 bd · 3 ba · 3,304 sqft · built 1996
Lot Size	5.18 acres (226,076 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,508 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Jul 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`099-410-006-000`

Property Details

APN / Parcel Number

Primary APN	`099-410-006-000`
Alternative APN	`09941006`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	3,304 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	226,076 sqft
Garage Type	Attached
Garage Area	558 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	099410006000
Street Address	10632 RIDGETOP RD
City	WHITMORE
State	CA
Zip	96096-9574
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	U
Legal Subdivision	20-45, PARCEL MAP
Jurisdiction	SHASTA CA
Township / Civil Division	CENTRAL SHASTA
Census Block Group	1
Census Block	1022
Census Tract	12604

Owner

Source: Shasta County records, as of July 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10632 RIDGETOP RD, WHITMORE, CA 96096-9574
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2024	Grant Deed, Transfer · Conventional Mortgage INFINITY EQUITY GROUP LLC
Jul 5, 2022	Deed of Trust, Mortgage · Line of Credit BANNER BANK
Aug 1, 2017	Intrafamily Transfer, Transfer · Line of Credit BANNER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 27, 2017
Transfer Doc	0000022587
Record Updated	Sep 20, 2026

February 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SHASTA CA
Recording Date	Feb 16, 2024
Property Address	10632 RIDGETOP RD, WHITMORE, CA 96096-9574
Document Number	0000003425
Map Reference	MB 20 PG 45
Instrument Date	Feb 5, 2024
Instrument	2024-0003425
Transaction Type	Transfer
Record Updated	Apr 11, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL CO OF CA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10632 RIDGETOP RD, WHITMORE, CA 96096-9574

Mortgage

Document Number	0000003426
Date	Feb 16, 2024
Instrument	2024-0003426

Lender

Name	INFINITY EQUITY GROUP LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHASTA CA
Property Address	10632 RIDGETOP RD, WHITMORE, CA 96096-9574
Transaction Type	Mortgage
Record Updated	Jul 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10632 RIDGETOP RD, WHITMORE, CA 96096-9574

Mortgage

Document Number	0000020719
Date	Jul 5, 2022
Instrument	2022-0020719

Lender

Name	BANNER BANK
Type	Bank
Address	REDDING, CA 96001

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SHASTA CA
Recording Date	Aug 1, 2017
Property Address	10632 RIDGETOP RD, WHITMORE, CA 96096-9574
Document Number	0000022587
Instrument Date	Jul 27, 2017
Instrument	2017-0022587
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	FIDELITY NATL TITLE CO OF CA

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	Joint Tenants
Address	10632 RIDGETOP RD, WHITMORE, CA 96096-9574

Mortgage

Document Number	0000022588
Date	Aug 1, 2017
Instrument	2017-0022588

Lender

Name	BANNER BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Shasta County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	California
County	Shasta County
Secondary School District	Shasta Union High School District (09 - 12)
Elementary School District	Whitmore Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$539,967 (+2%) Land $41,616 Building $498,351
2025	$5,508.00 (+85.14%)	$529,380 (+83.1%) Land $40,800 Building $488,580
2023	$2,975.00 (+2.62%) Homeowner's exemption	$289,113 Land $29,263 Building $259,850
2022	$2,899.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective July 8, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	High above 88% of the US · above 69% of California
Wildfire Likelihood	0.8% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Com-Pair Services Fixed Wireless	100 / 25

Cell Coverage

4G LTE (outdoors only), no 5G reported

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