121 Smithneck Rd, Loyalton, CA 96118 Property Records

Sierra County property record for 121 Smithneck Rd, Loyalton, CA 96118

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,144 sqft · built 2003
Lot Size	1.23 acres (54,014 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Jan 2022)
Tax Bill	$4,201 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`016-180-039-000`

Property Details

APN / Parcel Number

Primary APN	`016-180-039-000`
Alternative APN	`0161800390`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Construction Type	Masonry / Concrete Block
Lot Area	54,014 sqft
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	0161800390
Street Address	121 SMITHNECK RD
City	LOYALTON
State	CA
Zip	96118-5747
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	LOT 118 SIERRA BROOKS UNIT 2A
Legal Subdivision	SIERRA BROOKS
Legal Lot Number	118
Jurisdiction	SIERRA CA
Township / Civil Division	EAST SIERRA
Census Block Group	5
Census Block	5000
Census Tract	10000

Owner

Source: Sierra County records, as of July 27, 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	PO BOX 490, LOYALTON, CA 96118-0490
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2022	Deed of Trust, Mortgage · Commercial Mortgage CHANGE LENDING LLC
Jan 4, 2022	Grant Deed, Transfer · FHA Mortgage CHANGE LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2022 · Amount on Record
Deed Sale	Jan 4, 2022 · Amount on Record
Prior Sale	Nov 10, 2015 · Amount on Record
Deed Document Number	2022174134
Prior Transfer Date	Sep 13, 2017
Prior Transfer Doc	0000167284
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SIERRA CA
Property Address	121 SMITHNECK RD, LOYALTON, CA 96118-5747
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 SMITHNECK RD, LOYALTON, CA 96118-5747

Mortgage

Document Number	0000174137
Date	Jan 4, 2022
Instrument	2022174137

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SIERRA CA
Recording Date	Jan 4, 2022
Property Address	121 SMITHNECK RD, LOYALTON, CA 96118-5747
Document Number	0000174134
Map Reference	MB 3 PG 90
Instrument Date	Dec 29, 2021
Instrument	2022174134
Transaction Type	Transfer
Record Updated	Sep 12, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	121 SMITHNECK RD, LOYALTON, CA 96118-5747

Mortgage

Document Number	0000174135
Date	Jan 4, 2022
Instrument	2022174135

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

Mortgage

Document Number	0000174136
Date	Jan 4, 2022
Instrument	2022174136

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company
Address	SACRAMENTO, CA 95814

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Sierra County assessment roll, as of July 27, 2026

Property Jurisdictions

Type	Name
State	California
County	Sierra County
Unified School District	Sierra-Plumas Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$340,965 (+2%) Land $48,709 Building $292,256
2025	$4,201.00 (+3.17%)	$334,280 (+4.04%) Land $47,754 Building $286,526
2023	$4,072.00 (+6%)	$321,300 Land $45,900 Building $275,400
2022	$2,545.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	9 (1996–2017)
Most Recent Claim	Jan 2017 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, Mudslides, And Landslides, Dec 2005 · 2 claims Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 5 claims

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

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

Wildfire Risk	Extreme above 95% of the US · above 81% of California
Wildfire Likelihood	2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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	SIERRA CSA #5, SIERRA BROOKS serves 726 people · EPA ID CA4600009
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Aug 2024
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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
DigitalPath Fixed Wireless	75 / 10
Plumas-Sierra Telecommunications Fixed Wireless · not low latency	50 / 10

Cell Coverage

5G (outdoors only) and 4G LTE

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