1146 Secret Lake Loop, Lincoln, CA 95648 Property Records

Placer County property record for 1146 Secret Lake Loop, Lincoln, CA 95648

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,151 sqft · built 1999
Lot Size	0.19 acres (8,281 sqft)
Owner	Individual Name on File
Last Sale	$890,000 (Jan 2026)
Tax Bill	$9,245 (2025)
Deeds & Mortgages	Jan 2026 Sale Mar 2024 Sale + 6 more
Flood Zone	Zone X (minimal risk)
APN	`331-020-005-000`

Property Details

APN / Parcel Number

Primary APN	`331-020-005-000`
Alternative APN	`331-020-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,151 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Cape Cod
Construction Type	Frame
Lot Area	8,281 sqft (0.19 acres)
Garage Area	748 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	331-020-005
Street Address	1146 SECRET LAKE LOOP
City	LINCOLN
State	CA
Zip	95648-8402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 SUN CITY LINCOLN HILLS VILLAGE 16 V-10
Legal Subdivision	SUN CITY LINCOLN HILLS
Legal Lot Number	5
Jurisdiction	PLACER CA
Township / Civil Division	LINCOLN
Census Block Group	2
Census Block	2004
Census Tract	23700

Owner

1146 Secret Lake Loop is owned by an individual who bought it in January 2026.

Source: Placer County records, as of July 13, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 999, CARMICHAEL, CA 95609-0999
Owner Type	Individual
Vesting	Unmarried Man

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
Jan 7, 2026	Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE CO OF CA
Mar 4, 2024	Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATL TTL CO OF CA
Feb 9, 2017	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Dec 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 25, 2021	Grant Deed, Transfer
Jun 14, 2021	Intrafamily Transfer, Transfer
May 3, 2021	Intrafamily Transfer, Transfer
Jan 2, 2020	Grant Deed, Transfer · Conventional Mortgage SYNERGY ONE LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2026 · Amount on File
Deed Sale	Jan 7, 2026 · Amount on File
Prior Sale	Mar 4, 2024 · Amount on File
Deed Document Number	2026547
Prior Transfer Date	Jun 14, 2021
Prior Transfer Doc	0000077544
Record Updated	Oct 29, 2026

January 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PLACER CA
Recording Date	Jan 7, 2026
Property Address	1146 SECRET LAKE LOOP, LINCOLN, CA 95648-8402
Document Number	0000000547
Map Reference	MB V PG 10
Instrument Date	Dec 24, 2025
Instrument	2026-0000547
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE CO OF CA

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
Address	PO BOX 999, CARMICHAEL, CA 95609-0999

March 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PLACER CA
Recording Date	Mar 4, 2024
Property Address	1146 SECRET LAKE LOOP, LINCOLN, CA 95648-8402
Document Number	0000011185
Map Reference	MB V PG 10
Instrument Date	Feb 29, 2024
Instrument	2024-0011185
Transaction Type	Transfer
Record Updated	Mar 15, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL CO OF CA

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	Family Trust
Address	1146 SECRET LAKE LOOP, LINCOLN, CA 95648-8402

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	1146 SECRET LAKE LOOP, LINCOLN, CA 95648-8402
Transaction Type	Mortgage
Record Updated	Oct 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010214
Date	Feb 9, 2017
Instrument	2017-0010214

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	1146 SECRET LAKE LOOP, LINCOLN, CA 95648-8402
Transaction Type	Mortgage
Record Updated	Oct 20, 2022
Title Company	DOMA TITLE OF CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1146 SECRET LAKE LOOP, LINCOLN, CA 95648-8402

Mortgage

Document Number	0000156951
Date	Dec 30, 2021
Instrument	2021-0156951

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.36%
Type Change Date	Jan 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.36%
Index	Other
Max Rate	7.36%

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PLACER CA
Recording Date	Oct 25, 2021
Property Address	1146 SECRET LAKE LOOP, LINCOLN, CA 95648-8402
Document Number	0000131502
Map Reference	MB V PG 10
Instrument Date	Oct 15, 2021
Instrument	2021-0131502
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1146 SECRET LAKE LOOP, LINCOLN, CA 95648-8402

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PLACER CA
Recording Date	Jun 14, 2021
Property Address	1146 SECRET LAKE LOOP, LINCOLN, CA 95648-8402
Document Number	0000077544
Map Reference	MB V PG 10
Instrument Date	Jun 14, 2021
Instrument	2021-0077544
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	Family Trust
Address	1146 SECRET LAKE LOOP, LINCOLN, CA 95648-8402

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PLACER CA
Recording Date	May 3, 2021
Property Address	1146 SECRET LAKE LOOP, LINCOLN, CA 95648-8402
Document Number	0000060066
Instrument Date	Sep 28, 2020
Instrument	2021-0060066
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1697 MARSEILLE LN, ROSEVILLE, CA 95747-5095

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PLACER CA
Recording Date	Jan 2, 2020
Property Address	1146 SECRET LAKE LOOP, LINCOLN, CA 95648-8402
Document Number	0000000227
Instrument Date	Dec 26, 2019
Instrument	227
Transaction Type	Transfer
Record Updated	Jan 21, 2020
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$753.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1146 SECRET LAKE LOOP LINCOLN CA 956488402, LINCOLN, CA 95648-8402

Mortgage

Document Number	228
Date	Jan 2, 2020
Instrument	228

Lender

Name	SYNERGY ONE LNDG
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1146 Secret Lake Loop was $9,245.

Source: Placer County assessment roll, as of July 13, 2026

Property Jurisdictions

Type	Name
State	California
County	Placer County
Municipality	Lincoln City
Unified School District	Western Placer Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$910,245 (+2%) Land $260,100 Building $650,145
2025	$9,245.00 Homeowner's exemption	$892,398 Land $255,000 Building $637,398
2023	$8,854.00 (+0.5%) Homeowner's exemption	$811,000 Land $148,600 Building $662,400
2022	$8,810.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 1146 Secret Lake Loop in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 17, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1146 Secret Lake Loop is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% 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	CITY OF LINCOLN serves 56,268 people · EPA ID CA3110004
Water Source	Purchased surface water from PLACER CWA - FOOTHILL
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2025–2027) 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 432 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Corridor Wireless Fixed Wireless	100 / 100
Cal.net Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: DigitalPath, Verizon.

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