11095 Lower Circle Dr, Grass Valley, CA 95949 Property Records

Nevada County property record for 11095 Lower Circle Dr, Grass Valley, CA 95949

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1974
Lot Size	0.03 acres (1,307 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,619 (2025)
Deeds & Mortgages	Jan 2024 Second Mortgage Jul 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`020-890-024-000`

Property Details

APN / Parcel Number

Primary APN	`020-890-024-000`
Alternative APN	`20-890-24-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Traditional
Lot Area	1,307 sqft (0.03 acres)
View / Lot	Poor
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Patio Area	1,000 sqft

Utilities, Heating & Cooling

Water Source	Commercial

Location & Zoning

Old Parcel Number	20-890-24-000
Street Address	11095 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 50 ALTA SIERRA ESTATES 11
Legal Subdivision	ALTA SIERRA ESTATES 11
Legal Lot Number	50
Jurisdiction	NEVADA CA
Township / Civil Division	GRASS VALLEY
Census Block Group	1
Census Block	1002
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	11095 LOWER CIRCLE DR, GRASS VALLEY, CA 95949-6645
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Jul 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK
Oct 31, 2018	Deed of Trust, Mortgage · VA Mortgage JPMORGAN CHASE BANK NA
Mar 26, 2021	Intrafamily Transfer, Transfer
Mar 26, 2021	Intrafamily Transfer, Transfer · VA Mortgage THE FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2021
Deed Sale	Mar 26, 2021
Prior Sale	Jun 24, 2008 · Amount on Record
Deed Document Number	202110633
Prior Transfer Date	Sep 24, 2020
Prior Transfer Doc	0000010633
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEVADA CA
Property Address	11095 LOWER CIRCLE DR, GRASS VALLEY, CA 95949-6645
Transaction Type	Mortgage
Record Updated	Feb 6, 2024
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11095 LOWER CIRCLE DR, GRASS VALLEY, CA 95949-6645

Mortgage

Document Number	0000001285
Date	Jan 24, 2024
Instrument	20240001285

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 22, 2054

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEVADA CA
Property Address	11095 LOWER CIRCLE DR, GRASS VALLEY, CA 95949-6645
Transaction Type	Mortgage
Record Updated	Aug 11, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11095 LOWER CIRCLE DR, GRASS VALLEY, CA 95949-6645

Mortgage

Document Number	0000025241
Date	Jul 28, 2021
Instrument	20210025241

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 26, 2041

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEVADA CA
Property Address	11095 LOWER CIRCLE DR, GRASS VALLEY, CA 95949-6645
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE SOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021180
Date	Oct 31, 2018
Instrument	20180021180

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

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

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NEVADA CA
Recording Date	Mar 26, 2021
Property Address	11095 LOWER CIRCLE DR, GRASS VALLEY, CA 95949-6645
Document Number	0000010635
Map Reference	MB 3 PG 21
Instrument Date	Sep 24, 2020
Instrument	20210010635
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Living Trust
Address	11095 LOWER CIRCLE DR, GRASS VALLEY, CA 95949-6645

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NEVADA CA
Recording Date	Mar 26, 2021
Property Address	11095 LOWER CIRCLE DR, GRASS VALLEY, CA 95949-6645
Document Number	0000010633
Map Reference	MB 3 PG 21
Instrument Date	Sep 24, 2020
Instrument	20210010633
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	AMROCK

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	Community Property with Right of Survivorship
Address	11095 LOWER CIRCLE DR, GRASS VALLEY, CA 95949-6645

Mortgage

Document Number	0000010634
Date	Mar 26, 2021
Instrument	20210010634

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Oct 1, 2050

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		$431,396 (+2%) Land $200,962 Building $230,434
2025	$4,619.00 (+4.36%) Homeowner's exemption	$422,938 (+4.04%) Land $197,022 Building $225,916
2023	$4,426.00 (+2.12%) Homeowner's exemption	$406,517 Land $189,372 Building $217,145	$450,360
2022	$4,334.00

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	Low lower than 63% of the US · lower than 78% of California
Wildfire Likelihood	0.04% 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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