16151 Ridge Rd, Sutter Creek, CA 95685 Property Records

Amador County property record for 16151 Ridge Rd, Sutter Creek, CA 95685

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,018 sqft · built 1988
Lot Size	6.61 acres (288,367 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (Apr 2017)
Tax Bill	$5,939 (2025)
Deeds & Mortgages	Apr 2017 Sale & Mortgage Jan 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`042-060-017-000`

Property Details

APN / Parcel Number

Primary APN	`042-060-017-000`
Alternative APN	`4206001700`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,018 sqft Living Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Lot Area	288,367 sqft
Garage Type	Attached
Garage Area	1,702 sqft
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	16151 RIDGE RD
City	SUTTER CREEK
State	CA
Zip	95685-9655
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE
Legal Description	LOT 10 RIDGE ROAD MANOR ESTATES
Legal Subdivision	RIDGE ROAD MANOR ESTATES
Legal Lot Number	10
Jurisdiction	AMADOR CA
Township / Civil Division	SUTTER CREEK-PLYMOUTH
Census Block Group	1
Census Block	1005
Census Tract	401

Owner

Source: Amador County records, as of July 21, 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 534, SUTTER CREEK, CA 95685-0534
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2017	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA
Jan 23, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jan 23, 2017	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2017 · Amount on Record
Deed Sale	Apr 18, 2017 · Amount on Record
Deed Document Number	20172826
Record Updated	Oct 29, 2026

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	AMADOR CA
Recording Date	Apr 18, 2017
Property Address	16151 RIDGE RD, SUTTER CREEK, CA 95685-9655
Document Number	0000002826
Instrument Date	Apr 13, 2017
Instrument	2826
Transaction Type	Transfer
Record Updated	Aug 18, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$511.50
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	PO BOX 574 TWIN PEAKS CA 923910574, TWIN PEAKS, CA 92391-0574

Mortgage

Document Number	2827
Date	Apr 18, 2017
Instrument	2827

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 17, 2047

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMADOR CA
Property Address	16151 RIDGE RD, SUTTER CREEK, CA 95685-9655
Document Number	0000000693
Instrument Date	Jan 23, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	16151 RIDGE RD SUTTER CREEK CA 956859655, SUTTER CREEK, CA 95685-9655

Mortgage

Document Number	0000000693
Date	Jan 27, 2017
Instrument	693

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.45%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMADOR CA
Property Address	16151 RIDGE RD, SUTTER CREEK, CA 95685-9655
Document Number	0000000692
Instrument Date	Jan 23, 2017
Transaction Type	Mortgage
Record Updated	Feb 6, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	16151 RIDGE RD SUTTER CREEK CA 956859655, SUTTER CREEK, CA 95685-9655

Mortgage

Document Number	0000000692
Date	Jan 27, 2017
Instrument	692

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.45%

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		$593,978 (+2%) Land $88,663 Building $505,315
2025	$5,939.00 (+4.1%) Homeowner's exemption	$582,332 (+4.04%) Land $86,925 Building $495,407
2024			$594,990
2023	$5,705.00 (+3.15%) Homeowner's exemption	$559,721 Land $83,550 Building $476,171
2022	$5,531.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (1997–2017)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Jan 2017 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 3 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 79% of the US · above 57% of California
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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 34 locations within half a mile, as of December 31, 2025

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

May also be available: Conifer Communications, unWired Broadband, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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