10908 Lower Circle Dr, Grass Valley, CA 95949 Property Records

Nevada County property record for 10908 Lower Circle Dr, Grass Valley, CA 95949

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,225 sqft · built 1978
Lot Size	0.7 acres (30,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$430,000 (Sep 2020)
Tax Bill	$2,370 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Mar 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`020-360-001-000`

Property Details

APN / Parcel Number

Primary APN	`020-360-001-000`
Alternative APN	`20-360-01-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,225 sqft Living Area
1st Floor Area	1,217 sqft
Basement Area	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Traditional
Lot Area	30,492 sqft (0.7 acres)
Terrain	Above Road/Slope
View / Lot	Average
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Patio Area	1,000 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Old Parcel Number	20-360-01-000
Street Address	10908 LOWER CIRCLE DR
City	GRASS VALLEY
State	CA
Zip	95949-6639
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-X
Legal Description	LT 70 ALTA SIERRA ESTS #1
Legal Subdivision	ALTA SIERRA ESTS #1
Legal Lot Number	70
Jurisdiction	NEVADA CA
Township / Civil Division	GRASS VALLEY
Census Block Group	1
Census Block	1004
Census Tract	102

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	10908 LOWER CIRCLE DR, GRASS VALLEY, CA 95949-6639
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2020	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Mar 30, 2017	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2020 · Amount on Record
Deed Sale	Sep 22, 2020 · Amount on Record
Deed Document Number	202024594
Prior Transfer Date	Mar 17, 2017
Prior Transfer Doc	0000006912
Record Updated	Oct 29, 2026

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NEVADA CA
Recording Date	Sep 22, 2020
Property Address	10908 LOWER CIRCLE DR, GRASS VALLEY, CA 95949-6639
Document Number	0000024594
Map Reference	MB 2 PG 19
Instrument Date	Sep 18, 2020
Instrument	20200024594
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10908 LOWER CIRCLE DR, GRASS VALLEY, CA 95949-6639

Mortgage

Document Number	0000024595
Date	Sep 22, 2020
Instrument	20200024595

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEVADA CA
Recording Date	Mar 30, 2017
Property Address	10908 LOWER CIRCLE DR, GRASS VALLEY, CA 95949-6639
Document Number	0000006912
Instrument Date	Mar 17, 2017
Instrument	6912
Transaction Type	Transfer
Record Updated	Mar 6, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1511 RADCLIFFE WAY AUBURN CA 956032842, AUBURN, CA 95603-2842

Tax Assessment & Valuation

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		$212,028 (+2%) Land $13,630 Building $198,398
2025	$2,370.00 (+4.59%) Homeowner's exemption	$207,871 (+4.04%) Land $13,363 Building $194,508
2023	$2,266.00 (+2.16%) Homeowner's exemption	$199,801 Land $12,845 Building $186,956	$495,630
2022	$2,218.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	Moderate above 44% of the US · lower than 74% of California
Wildfire Likelihood	0.07% 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 322 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Cal.net, DigitalPath, Verizon.

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