11786 Tree Top Cir, Nevada City, CA 95959 Property Records

Nevada County property record for 11786 Tree Top Cir, Nevada City, CA 95959

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,756 sqft · built 1973
Lot Size	0.44 acres (19,166 sqft)
Owner	Individual Name on File
Last Sale	$435,000 (Apr 2018)
Tax Bill	$5,372 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2021 Reverse Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`037-150-001-000`

Property Details

APN / Parcel Number

Primary APN	`037-150-001-000`
Alternative APN	`37-150-01-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,756 sqft Living Area
1st Floor Area	1,756 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2003
Architectural Style	Traditional
Lot Area	19,166 sqft (0.44 acres)
Terrain	Steep
View / Lot	Average
Porch	Porch
Patio Area	1,756 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Old Parcel Number	37-150-01-000
Street Address	11786 TREE TOP CIR
City	NEVADA CITY
State	CA
Zip	95959-3528
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-1.5
Legal Description	LOT 49 UNIT #1 FOREST KNOLLS
Legal Subdivision	FOREST KNOLLS
Legal Lot Number	49
Jurisdiction	NEVADA CA
Township / Civil Division	NEVADA CITY
Census Block Group	1
Census Block	1020
Census Tract	802

Owner

11786 Tree Top Cir is owned and occupied by an individual who acquired it in June 2018.

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

Owner of Record	Individual Name on File
Mailing Address	11786 TREE TOP CIR, NEVADA CITY, CA 95959-3528
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 30, 2021	Deed of Trust, Mortgage · USDA Mortgage USDA
Jul 30, 2021	Deed of Trust, Mortgage · Reverse Mortgage PREMIUM SECURITY INC
Nov 8, 2019	Deed of Trust, Mortgage · Reverse Mortgage LIBERTY HOME EQUITY SOLUTIONS INC
Oct 11, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Aug 31, 2018	Deed of Trust, Mortgage · Line of Credit TRI COUNTIES BANK
Jun 7, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage PARAMOUNT EQUITY MORTGAGE LLC
Apr 25, 2018	Grant Deed, Transfer PLACER TITLE COMPANY, PLACER TITLE CO.

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 25, 2018 · Amount on File
Deed Sale	Apr 25, 2018 · Amount on File
Prior Sale	Jan 27, 2016 · Amount on File
Deed Document Number	20188050
Last Transfer Date	Jun 1, 2018
Transfer Doc	0000011232
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEVADA CA
Property Address	11786 TREE TOP CIR, NEVADA CITY, CA 95959-3528
Transaction Type	Mortgage
Record Updated	Jan 27, 2026
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11786 TREE TOP CIR, NEVADA CITY, CA 95959-3528

Mortgage

Document Number	0000025666
Date	Jul 30, 2021
Instrument	20210025666

Lender

Name	USDA
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	USDA Mortgage
Amount	Amount on Record

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEVADA CA
Property Address	11786 TREE TOP CIR, NEVADA CITY, CA 95959-3528
Transaction Type	Mortgage
Record Updated	Aug 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11789 TREE TOP CIR, NEVADA CITY, CA 95959-3509

Mortgage

Document Number	0000025665
Date	Jul 30, 2021
Instrument	20210025665

Lender

Name	PREMIUM SECURITY INC
Type	Mortgage Company
Address	HENDERSON, NV 89014

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	1.96%
Type Change Date	Sep 1, 2021
Change Frequency	Annually
Index	1-Year CMT

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEVADA CA
Property Address	11786 TREE TOP CIR, NEVADA CITY, CA 95959-3528
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022981
Date	Nov 8, 2019
Instrument	20190022981

Lender

Name	LIBERTY HOME EQUITY SOLUTIONS INC
Type	Reverse Mortgage Lender
Address	RANCHO CORDOVA, CA 95670

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.85%
Type Change Date	Nov 1, 2020
Index	1-Year LIBOR

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEVADA CA
Property Address	11786 TREE TOP CIR, NEVADA CITY, CA 95959-3528
Document Number	0000022982
Instrument Date	Oct 11, 2019
Transaction Type	Mortgage
Record Updated	Mar 6, 2020
Title Company	FNC TITLE/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11786 TREE TOP CIR NEVADA CITY CA 959593528, NEVADA CITY, CA 95959-3528

Mortgage

Document Number	0000022982
Date	Nov 8, 2019
Instrument	22982

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	996 Months

Interest

Rate Type	Adjustable Rate
Rate	3.85%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEVADA CA
Property Address	11786 TREE TOP CIR, NEVADA CITY, CA 95959-3528
Document Number	0000018009
Instrument Date	Aug 31, 2018
Transaction Type	Mortgage
Record Updated	Mar 6, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11786 TREE TOP CIR NEVADA CITY CA 959593528, NEVADA CITY, CA 95959-3528

Mortgage

Document Number	0000018009
Date	Sep 13, 2018
Instrument	18009

Lender

Name	TRI COUNTIES BANK
Type	Bank
Address	NEVADA CITY, CA 95959

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NEVADA CA
Recording Date	Jun 7, 2018
Property Address	11786 TREE TOP CIR, NEVADA CITY, CA 95959-3528
Document Number	0000011232
Map Reference	MB2 PG17
Instrument Date	Jun 1, 2018
Instrument	20180011232
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	TIMIOS INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	11786 TREE TOP CIR, NEVADA CITY, CA 95959-3528

Mortgage

Document Number	0000011233
Date	Jun 7, 2018
Instrument	20180011233

Lender

Name	PARAMOUNT EQUITY MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NEVADA CA
Recording Date	Apr 25, 2018
Property Address	11786 TREE TOP CIR, NEVADA CITY, CA 95959-3528
Document Number	0000008050
Instrument Date	Apr 16, 2018
Instrument	8050
Transaction Type	Transfer
Record Updated	Mar 6, 2020
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount on Record
Tax	$479.00
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	11786 TREE TOP CIR NEVADA CITY CA 959593528, NEVADA CITY, CA 95959-3528

Tax Assessment & Valuation

The 2025 property tax bill for 11786 Tree Top Cir was $5,372 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	Nevada County
Elementary School District	Nevada City 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		$504,848 (+2%) Land $116,056 Building $388,792
2025	$5,372.00 Homeowner's exemption	$494,950 Land $113,781 Building $381,169
2023	$5,150.00 (+2.14%) Homeowner's exemption	$475,732 Land $109,363 Building $366,369	$543,870
2022	$5,042.00

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

Flood

FEMA maps place 11786 Tree Top Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.

Source: FEMA National Flood Hazard Layer, effective August 20, 2024 · 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 Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2016 · rainfall accumulation

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 11786 Tree Top Cir is high, ranking above 70% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 70% of the US · above 45% of California
Wildfire Likelihood	0.3% 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 115 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
SmarterBroadband Fixed Wireless	100 / 25

May also be available: Verizon.

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