10891 Lower Circle Dr, Grass Valley, CA 95949 Property Records

Nevada County property record for 10891 Lower Circle Dr, Grass Valley, CA 95949

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,862 sqft · built 2005
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Last Sale	$610,000 (Mar 2024)
Tax Bill	$4,702 (2025)
Deeds & Mortgages	Mar 2024 Sale Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`020-890-035-000`

Property Details

APN / Parcel Number

Primary APN	`020-890-035-000`
Alternative APN	`20-890-35-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,862 sqft Living Area
1st Floor Area	1,614 sqft
Basement Area	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2006
Architectural Style	Traditional
Lot Area	14,375 sqft (0.33 acres)
Terrain	Below Road/Slope
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Patio Area	1,200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Old Parcel Number	20-890-35-000
Street Address	10891 LOWER CIRCLE DR
City	GRASS VALLEY
State	CA
Zip	95949-6645
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-X
Legal Description	LOT 61 ALTA SIERRA ESTS #11
Legal Subdivision	ALTA SIERRA ESTS #11
Legal Lot Number	61
Jurisdiction	NEVADA CA
Township / Civil Division	GRASS VALLEY
Census Block Group	1
Census Block	1002
Census Tract	102

Owner

10891 Lower Circle Dr is owned and occupied by two individuals who bought it in March 2024.

Source: Nevada County records, as of July 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10891 LOWER CIRCLE DR, GRASS VALLEY, CA 95949-6645
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Mar 20, 2024	Grant Deed, Transfer PLACER TITLE COMPANY
Jul 1, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 11, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2024 · Amount on File
Deed Sale	Mar 20, 2024 · Amount on File
Prior Sale	Jul 1, 2021 · Amount on File
Deed Document Number	20244351
Record Updated	Oct 29, 2026

March 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NEVADA CA
Recording Date	Mar 20, 2024
Property Address	10891 LOWER CIRCLE DR, GRASS VALLEY, CA 95949-6645
Document Number	0000004351
Map Reference	MB 3 PG 21
Instrument Date	Mar 15, 2024
Instrument	20240004351
Transaction Type	Transfer
Record Updated	Apr 5, 2024
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	46250 IVERSEN DR, GUALALA, CA 95445-8435

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NEVADA CA
Recording Date	Jul 1, 2021
Property Address	10891 LOWER CIRCLE DR, GRASS VALLEY, CA 95949-6645
Document Number	0000022468
Map Reference	MB 3 PG 21
Instrument Date	Jun 14, 2021
Instrument	20210022468
Transaction Type	Transfer
Record Updated	Jul 16, 2021
Title Company	PLACER TITLE COMPANY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10891 LOWER CIRCLE DR, GRASS VALLEY, CA 95949-6645

Mortgage

Document Number	0000022469
Date	Jul 1, 2021
Instrument	20210022469

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEVADA CA
Property Address	10891 LOWER CIRCLE DR, GRASS VALLEY, CA 95949-6645
Document Number	0000005235
Instrument Date	Feb 11, 2019
Transaction Type	Mortgage
Record Updated	Mar 6, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10891 LOWER CIRCLE DR GRASS VALLEY CA 959496645, GRASS VALLEY, CA 95949-6645

Mortgage

Document Number	0000005235
Date	Mar 25, 2019
Instrument	5235

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 24, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 10891 Lower Circle Dr was $4,702 with a homeowner's exemption.

Source: Nevada County assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	California
County	Nevada County
Secondary School District	Nevada Joint Union High School District (09 - 12)
Elementary School District	Pleasant Ridge Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$438,092 (+2%) Land $129,365 Building $308,727
2025	$4,702.00 Homeowner's exemption	$429,503 Land $126,829 Building $302,674
2023	$7,050.00 (-3.75%) Homeowner's exemption	$657,600 Land $96,000 Building $561,600	$548,010
2022	$7,325.00

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

Flood

FEMA maps place 10891 Lower Circle Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 20, 2024

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

Wildfire risk around 10891 Lower Circle Dr is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · lower than 70% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	NEVADA ID - LOMA RICA serves 14,072 people · EPA ID CA2910006
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 199 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	500 / 20
Starlink Satellite	280 / 30
DigitalPath Fixed Wireless	200 / 20
SmarterBroadband Fixed Wireless	100 / 25
Cal.net Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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