12649 Ave 406, Cutler, CA 93615 Property Records

Tulare County property record for 12649 Ave 406, Cutler, CA 93615

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 720 sqft · built 1956
Lot Size	0.192 acres (8,340 sqft)
Owner	Individual Name on File
Last Sale	$90,000 (Oct 2023)
Tax Bill	$1,540 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Oct 2023 Sale & Mortgage + 2 more
Flood Zone	Zone AH (high risk)
APN	`032-105-003-000`

Property Details

APN / Parcel Number

Primary APN	`032-105-003-000`
Alternative APNs	`032-105-003` `03210503000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	720 sqft Living Area
1st Floor Area	720 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Construction Type	Wood
Lot Area	8,340 sqft (0.192 acres)
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Parking Spaces	1 Parking Space
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace

Location & Zoning

Old Parcel Number	032-105-003
Street Address	12649 AVENUE 406
City	CUTLER
State	CA
Zip	93615-2011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TR NO 56 LOT 59
Legal Tract	56
Legal Lot Number	59
Jurisdiction	TULARE CA
Township / Civil Division	OROSI-CUTLER
Census Block Group	2
Census Block	2010
Census Tract	600

Owner

12649 Ave 406 is owned by an individual who acquired it in March 2024.

Source: Tulare County records, as of October 5, 2026

Owner of Record	Individual Name on File
Mailing Address	1835 N CAIN ST, VISALIA, CA 93292-2321
Owner Type	Individual
Vesting	Single Woman

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
Mar 29, 2024	Intrafamily Transfer, Transfer · Conventional Mortgage KIND LENDING LLC
Oct 13, 2023	Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Oct 13, 2023	Affidavit of Death of Joint Tenant, Transfer CHICAGO TITLE COMPANY
Oct 13, 2023	Affidavit of Death of Joint Tenant, Transfer CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2023 · Amount on File
Deed Sale	Oct 13, 2023 · Amount on File
Deed Document Number	202349610
Last Transfer Date	Mar 22, 2024
Transfer Doc	0000014430
Record Updated	Oct 29, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	TULARE CA
Recording Date	Mar 29, 2024
Property Address	12649 AVENUE 406, CUTLER, CA 93615-2011
Document Number	0000014430
Map Reference	MB 19 PG 107
Instrument Date	Mar 27, 2024
Instrument	2024-0014430
Transaction Type	Transfer
Record Updated	Apr 10, 2024
Title Company	FIRSTAMERICAN 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
Address	1835 N CAIN ST, VISALIA, CA 93292-2321

Mortgage

Document Number	0000014431
Date	Mar 29, 2024
Instrument	2024-0014431

Lender

Name	KIND LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

October 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	TULARE CA
Recording Date	Oct 13, 2023
Property Address	12649 AVENUE 406, CUTLER, CA 93615-2011
Document Number	0000049610
Map Reference	MB 19 PG 107
Instrument Date	Sep 28, 2023
Instrument	2023-0049610
Transaction Type	Transfer
Record Updated	Oct 24, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	Tenants in Severalty
Address	12649 AVENUE 406, CUTLER, CA 93615-2011

Mortgage

Document Number	0000049611
Date	Oct 13, 2023
Instrument	2023-0049611

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

October 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	TULARE CA
Recording Date	Oct 13, 2023
Property Address	12649 AVENUE 406, CUTLER, CA 93615-2011
Document Number	0000049608
Map Reference	MB 19 PG 107
Instrument Date	Jul 24, 2023
Instrument	2023-0049608
Transaction Type	Transfer
Record Updated	Oct 24, 2023
Title Company	CHICAGO 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	2014 CAMERON WAY, DINUBA, CA 93618-2583

October 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	TULARE CA
Recording Date	Oct 13, 2023
Property Address	12649 AVENUE 406, CUTLER, CA 93615-2011
Document Number	0000049609
Map Reference	MB 19 PG 107
Instrument Date	Jul 24, 2023
Instrument	2023-0049609
Transaction Type	Transfer
Record Updated	Oct 24, 2023
Title Company	CHICAGO 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	2014 CAMERON WAY, DINUBA, CA 93618-2583

Tax Assessment & Valuation

The 2025 property tax bill for 12649 Ave 406 was $1,540, up 2.9% from the year before.

Source: Tulare County assessment roll, as of October 5, 2026

Property Jurisdictions

Type	Name
State	California
County	Tulare County
Unified School District	Cutler-Orosi Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$145,656 (+2%) Land $62,424 Building $83,232
2025	$1,540.00 (+2.87%)	$142,800 Land $61,200 Building $81,600
2024	$1,497.00 (+138.38%)
2023	$628.00 (+4.84%)	$57,178 Land $22,871 Building $34,307
2022	$599.00

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

Flood

FEMA maps place 12649 Ave 406 in Zone AH, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	362.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	2 (2023)
Most Recent Claim	Mar 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Mar 2023 · 2 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

Wildfire risk around 12649 Ave 406 is moderate, ranking above 56% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 66% of California
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond ember reach

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	CUTLER PUD serves 6,200 people · EPA ID CA5410001
Water Source	Groundwater
Last State Inspection	May 2022
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Nitrate not recorded as resolved · Jan 2025
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	1 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 324 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
unWired Broadband Fixed Wireless	400 / 50
Wireless Internet Services Fixed Wireless	100 / 50

May also be available: AT&T, GeoLinks, Verizon.

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