1540 Big Oak Rd, Placerville, CA 95667 Property Records

El Dorado County property record for 1540 Big Oak Rd, Placerville, CA 95667

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,596 sqft · built 1962
Lot Size	4.05 acres (176,418 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,816 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`098-120-027-000`

Property Details

APN / Parcel Number

Primary APN	`098-120-027-000`
Alternative APNs	`09812027100` `0981202710`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,596 sqft Living Area
1st Floor Area	1,596 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Construction Type	Wood
Lot Area	176,418 sqft
Terrain	Wooded
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Patio Area	1,596 sqft

Utilities, Heating & Cooling

Water Source	Commercial

Location & Zoning

Street Address	1540 BIG OAK RD
City	PLACERVILLE
State	CA
Zip	95667-9173
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	U
Legal Description	SEC 32 10 11
Jurisdiction	EL DORADO CA
Township / Civil Division	SOUTH EL DORADO
Census Block Group	2
Census Block	2020
Census Tract	31504

Owner

Source: El Dorado County records, as of September 16, 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 813, DIAMOND SPRINGS, CA 95619-0813
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage MCJAB INC
Jan 31, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 28, 2020
Transfer Doc	0000004286
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	1540 BIG OAK RD, PLACERVILLE, CA 95667-9173
Transaction Type	Mortgage
Record Updated	Jul 8, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 813, DIAMOND SPRINGS, CA 95619-0813

Mortgage

Document Number	0000042324
Date	Jun 25, 2021
Instrument	2021-0042324

Lender

Name	MCJAB INC
Type	Non-Lending Institution
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

January 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EL DORADO CA
Recording Date	Jan 31, 2020
Property Address	1540 BIG OAK RD, PLACERVILLE, CA 95667-9173
Document Number	0000004286
Instrument Date	Jan 28, 2020
Instrument	2020-0004286
Transaction Type	Transfer
Record Updated	Jul 30, 2021
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
Relationship	Joint Tenants
Address	PO BOX 813, DIAMOND SPRINGS, CA 95619-0813

Mortgage

Document Number	0000004287
Date	Jan 31, 2020
Instrument	2020-0004287

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

Source: El Dorado County assessment roll, as of September 16, 2026

Property Jurisdictions

Type	Name
State	California
County	El Dorado County
Secondary School District	El Dorado Union High School District (09 - 12)
Elementary School District	Gold Oak Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$267,340 (+2%) Land $47,504 Building $219,836
2025	$2,816.00 (+4.96%) Homeowner's exemption	$262,099 (+4.04%) Land $46,573 Building $215,526
2023	$2,683.00 (+0.75%) Homeowner's exemption	$251,922 Land $44,765 Building $207,157
2022	$2,663.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 25, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Extreme above 96% of the US · above 83% of California
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

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	EL DORADO ID - MAIN serves 128,408 people · EPA ID CA0910001
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2024–2026) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Cal.net Fixed Wireless	100 / 20

May also be available: Rocky Ridge Wireless, T-Mobile, Verizon.

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