16730 Ridge Rd, Sutter Creek, CA 95685 Property Records

Amador County property record for 16730 Ridge Rd, Sutter Creek, CA 95685

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,554 sqft · built 1984
Lot Size	5.16 acres (224,770 sqft)
Owner	2 Individual Names on File
Last Sale	$399,000 (Aug 2017)
Tax Bill	$4,635 (2025)
Deeds & Mortgages	May 2022 Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`042-080-032-000`

Property Details

APN / Parcel Number

Primary APN	`042-080-032-000`
Alternative APN	`4208003200`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,554 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Construction Type	Wood
Lot Area	224,770 sqft
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected
Water Source	Well

Location & Zoning

Street Address	16730 RIDGE RD
City	SUTTER CREEK
State	CA
Zip	95685-9647
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UNK
Legal Description	POR PAR 2 5.158AC
Legal Subdivision	PROPERTY/COCCIARDI CORP
Legal Lot Number	2
Jurisdiction	AMADOR CA
Township / Civil Division	SUTTER CREEK-PLYMOUTH
Census Block Group	1
Census Block	1021
Census Tract	401

Owner

16730 Ridge Rd is owned and occupied by two individuals who bought it in August 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	16730 RIDGE RD, SUTTER CREEK, CA 95685-9647
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
May 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOW VA RATES LLC
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Dec 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Aug 16, 2017	Grant Deed, Transfer MELVIN R & DEBRA C EMERSON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2017 · Amount on File
Deed Sale	Aug 16, 2017 · Amount on File
Prior Sale	Apr 15, 2013 · Amount on File
Deed Document Number	20176337
Prior Transfer Date	Mar 5, 2007
Prior Transfer Doc	0000003317
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMADOR CA
Property Address	16730 RIDGE RD, SUTTER CREEK, CA 95685-9647
Transaction Type	Mortgage
Record Updated	May 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	IS 16730 RIDGE RD, SUTTER CREEK, CA 95685

Mortgage

Document Number	0000004551
Date	May 18, 2022
Instrument	2022-0004551

Lender

Name	LOW VA RATES LLC
Type	Mortgage Company
Address	KANSAS CITY, MO 64114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	178 Months
Due	Mar 1, 2037

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMADOR CA
Property Address	16730 RIDGE RD, SUTTER CREEK, CA 95685-9647
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16730 RIDGE RD, SUTTER CREEK, CA 95685-9647

Mortgage

Document Number	0000012278
Date	Dec 28, 2020
Instrument	2020-0012278

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2036

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMADOR CA
Property Address	16730 RIDGE RD, SUTTER CREEK, CA 95685-9647
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	4 PLACER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009507
Date	Dec 6, 2017
Instrument	2017-0009507

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2038

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	AMADOR CA
Recording Date	Aug 16, 2017
Property Address	16730 RIDGE RD, SUTTER CREEK, CA 95685-9647
Document Number	0000006337
Instrument Date	Aug 14, 2017
Instrument	6337
Transaction Type	Transfer
Record Updated	Aug 29, 2017
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$438.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	16730 RIDGE RD SUTTER CREEK CA 956859647, SUTTER CREEK, CA 95685-9647

Mortgage

Document Number	6338
Date	Aug 16, 2017
Instrument	6338

Lender

Name	MELVIN R & DEBRA C EMERSON
Address	PO BOX 85, JACKSON, CA 95642-0085

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 16730 Ridge Rd was $4,635 with a homeowner's exemption.

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		$464,228 (+2%) Land $87,041 Building $377,187
2025	$4,635.00 Homeowner's exemption	$455,127 Land $85,335 Building $369,792
2024			$530,640
2023	$4,461.00 (+3.34%) Homeowner's exemption	$437,456 Land $82,022 Building $355,434
2022	$4,317.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 16730 Ridge Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1997.

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

Wildfire risk around 16730 Ridge Rd is moderate, ranking above 65% 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 65% of the US · above 40% of California
Wildfire Likelihood	0.2% 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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Volcano Vision Fiber · DSL in parts of the area	1,000 / 1,000
Cal.net Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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