10946 Lower Circle Dr, Grass Valley, CA 95949 Property Records

Nevada County property record for 10946 Lower Circle Dr, Grass Valley, CA 95949

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,604 sqft · built 1985
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (Apr 2002)
Tax Bill	$4,054 (2025)
Deeds & Mortgages	Feb 2020 Transfer Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`020-890-012-000`

Property Details

APN / Parcel Number

Primary APN	`020-890-012-000`
Alternative APN	`20-890-12-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,604 sqft Living Area
1st Floor Area	1,604 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Traditional
Lot Area	10,890 sqft (0.25 acres)
Terrain	Above Road/Slope
View / Lot	Average
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Patio Area	875 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Old Parcel Number	20-890-12-000
Street Address	10946 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	LOT 62 ALTA SIERRA ESTATES #11
Legal Subdivision	ALTA SIERRA ESTATES #11
Legal Lot Number	62
Jurisdiction	NEVADA CA
Township / Civil Division	GRASS VALLEY
Census Block Group	1
Census Block	1004
Census Tract	102

Owner

10946 Lower Circle Dr is owned by two individuals who acquired it in February 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	2036 NEVADA CITY HWY, GRASS VALLEY, CA 95945-7700
Owner Type	Individual

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
Feb 6, 2020	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Feb 6, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage NORTHERN SIERRA FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2002 · Amount on File
Deed Sale	Apr 19, 2002 · Amount on File
Deed Document Number	200215431
Last Transfer Date	Feb 1, 2020
Transfer Doc	0000002954
Record Updated	Oct 29, 2026

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEVADA CA
Recording Date	Feb 6, 2020
Property Address	10946 LOWER CIRCLE DR, GRASS VALLEY, CA 95949-6639
Document Number	0000002956
Instrument Date	Feb 1, 2020
Instrument	2956
Transaction Type	Transfer
Record Updated	Mar 6, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2036 NEVADA CITY HWY #76 GRASS VALLEY CA 959457700, 76, GRASS VALLEY, CA 95945-7700

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NEVADA CA
Recording Date	Feb 6, 2020
Property Address	10946 LOWER CIRCLE DR, GRASS VALLEY, CA 95949-6639
Document Number	0000002954
Map Reference	MB 3 PG 21
Instrument Date	Feb 1, 2020
Instrument	20200002954
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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	2036 NEVADA CITY HWY # 76, 76, GRASS VALLEY, CA 95945-7700

Mortgage

Document Number	0000002955
Date	Feb 6, 2020
Instrument	20200002955

Lender

Name	NORTHERN SIERRA FINANCIAL SERVICES
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 10946 Lower Circle Dr was $4,054.

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		$369,151 (+2%) Land $102,453 Building $266,698
2025	$4,054.00	$361,914 Land $100,445 Building $261,469
2023	$3,887.00 (+2.1%)	$347,863 Land $96,546 Building $251,317	$530,550
2022	$3,807.00

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

Flood

FEMA maps place 10946 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 10946 Lower Circle Dr is moderate, ranking above 44% of the US, with a 0.07% annual chance of 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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