10906 Prospector Rd, Rough And Ready, CA 95975 Property Records

Nevada County property record for 10906 Prospector Rd, Rough And Ready, CA 95975

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,556 sqft · built 1990
Lot Size	6.13 acres (267,458 sqft)
Owner	2 Individual Names on Record
Last Sale	$437,000 (Jul 2016)
Tax Bill	$3,780 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Dec 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`052-320-036-000`

Property Details

APN / Parcel Number

Primary APN	`052-320-036-000`
Alternative APN	`52-320-36-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,556 sqft Living Area
1st Floor Area	1,556 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Traditional
Lot Area	267,458 sqft
Terrain	Rolling
View / Lot	Average
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Patio Area	1,556 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Well

Location & Zoning

Old Parcel Number	52-320-36-000
Street Address	10906 PROSPECTOR RD
City	ROUGH AND READY
State	CA
Zip	95975-9706
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-5
Legal Description	PTN SE 1/4 23-16-7
Legal Range	7E
Legal Township	16N
Legal Section	23
Jurisdiction	NEVADA CA
Township / Civil Division	GRASS VALLEY
Census Block Group	3
Census Block	3006
Census Tract	404

Owner

Source: Nevada County records, as of July 7, 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	10906 PROSPECTOR RD, ROUGH AND READY, CA 95975-9706
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Dec 7, 2017	Deed of Trust, Mortgage · ARM HOMEBRIDGE FINANCIAL SERVICES INC
Sep 19, 2018	Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Oct 28, 2020	Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2016 · Amount on Record
Deed Sale	Jul 22, 2016 · Amount on Record
Deed Document Number	201616141
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEVADA CA
Property Address	10906 PROSPECTOR RD, ROUGH AND READY, CA 95975-9706
Transaction Type	Mortgage
Record Updated	Aug 6, 2021
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10906 PROSPECTOR RD, ROUGH AND READY, CA 95975-9706

Mortgage

Document Number	0000024927
Date	Jul 26, 2021
Instrument	20210024927

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEVADA CA
Property Address	10906 PROSPECTOR RD, ROUGH AND READY, CA 95975-9706
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027385
Date	Dec 7, 2017
Instrument	20170027385

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Type Change Date	Apr 1, 2021
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	3.25%
Index	1-Year CMT
Max Rate	5%

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEVADA CA
Property Address	10906 PROSPECTOR RD, ROUGH AND READY, CA 95975-9706
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PACIFIC COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018430
Date	Sep 19, 2018
Instrument	20180018430

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Jan 1, 2022
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	3.87%
Index	1-Year LIBOR
Margin	2
Max Rate	5%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEVADA CA
Property Address	10906 PROSPECTOR RD, ROUGH AND READY, CA 95975-9706
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SURETY LENDER SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10906 PROSPECTOR RD, ROUGH READY, CA 95975-9706

Mortgage

Document Number	0000029052
Date	Oct 28, 2020
Instrument	20200029052

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$517,313 (+2%) Land $118,377 Building $398,936
2025	$3,780.00 (+2.05%) Disabled Person's exemption Veteran's exemption	$507,170 (+4.04%) Land $116,056 Building $391,114
2023	$3,704.00 (-0.03%) Disabled Person's exemption Veteran's exemption	$487,478 Land $111,550 Building $375,928	$550,440
2022	$3,705.00

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

Flood

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

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

Wildfire Risk	High above 84% of the US · above 63% of California
Wildfire Likelihood	0.6% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Succeed.Net Fixed Wireless	100 / 50
SmarterBroadband Fixed Wireless	100 / 25

May also be available: DigitalPath, Verizon.

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