12865 Locust Ln, Sutter Creek, CA 95685 Property Records

Amador County property record for 12865 Locust Ln, Sutter Creek, CA 95685

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,544 sqft · built 1970
Lot Size	1.46 acres (63,598 sqft)
Owner	2 Company Names on Record
Tax Bill	$2,403 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Mar 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`040-080-002-000`

Property Details

APN / Parcel Number

Primary APN	`040-080-002-000`
Alternative APN	`4008000200`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	2 Stories
Building Area	2,544 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Construction Type	Wood
Lot Area	63,598 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected
Water Source	Well

Location & Zoning

Street Address	12865 LOCUST LN
City	SUTTER CREEK
State	CA
Zip	95685
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	S8 T6 R11 1.46AC
Legal Subdivision	PROPERTY/M F SEAWEARD
Legal Tract	6
Legal Lot Number	4
Jurisdiction	AMADOR CA
Township / Civil Division	SUTTER CREEK-PLYMOUTH
Census Block Group	3
Census Block	3010
Census Tract	401

Owner

Source: Amador County records, as of July 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	PO BOX 668, SUTTER CREEK, CA 95685-0668
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2023	Deed of Trust, Mortgage · Line of Credit THE GOLDEN 1 CU
Mar 5, 2018	Deed of Trust, Mortgage · Line of Credit GOLDEN 1 CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 3, 2015
Transfer Doc	0000006908
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMADOR CA
Property Address	12865 LOCUST LN, SUTTER CREEK, CA 95685
Transaction Type	Mortgage
Record Updated	Jun 29, 2023
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 668, SUTTER CREEK, CA 95685-0668

Mortgage

Document Number	0000003147
Date	Jun 9, 2023
Instrument	2023-0003147

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMADOR CA
Property Address	12865 LOCUST LN, SUTTER CREEK, CA 95685
Document Number	0000002008
Instrument Date	Mar 5, 2018
Transaction Type	Mortgage
Record Updated	Mar 29, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	PO BOX 668 SUTTER CREEK CA 956850668, SUTTER CREEK, CA 95685-0668

Mortgage

Document Number	0000002008
Date	Mar 21, 2018
Instrument	2008

Lender

Name	GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 20, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Amador County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	California
County	Amador County
Unified School District	Amador County Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$242,546 (+2%) Land $43,091 Building $199,455
2025	$2,403.00 (+4.07%) Homeowner's exemption	$237,792 (+4.04%) Land $42,247 Building $195,545
2024			$743,670
2023	$2,309.00 (+2.99%) Homeowner's exemption	$228,559 Land $40,607 Building $187,952
2022	$2,242.00

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 June 30, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	9 (1986–2017)
Claims Outside the SFHA	5 of 9
Most Recent Claim	Jan 2017 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	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	High above 83% of the US · above 63% of California
Wildfire Likelihood	0.6% 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	AWA, TANNER serves 4,940 people · EPA ID CA0310003
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T DSL · Fixed Wireless in parts of the area	10 / 1

May also be available: Cal.net, Verizon, Xfinity.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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