18088 Gray Oak Dr, Rough And Ready, CA 95975 Property Records

Nevada County property record for 18088 Gray Oak Dr, Rough And Ready, CA 95975

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,134 sqft · built 1982
Lot Size	8.23 acres (358,934 sqft)
Owner	2 Individual Names on Record
Last Sale	$725,000 (Jul 2026)
Tax Bill	$4,281 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`051-100-023-000`

Property Details

APN / Parcel Number

Primary APN	`051-100-023-000`
Alternative APN	`51-100-23-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,134 sqft Living Area
1st Floor Area	2,134 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Traditional
Lot Area	358,934 sqft
Terrain	Rolling
View / Lot	Average
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Patio Area	2,134 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Well

Location & Zoning

Old Parcel Number	51-100-23-000
Street Address	18088 GRAY OAK DR
City	ROUGH AND READY
State	CA
Zip	95975-9790
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-5
Legal Description	PCL 1 PM 17/247
Legal Subdivision	MABEL AUSTIN
Legal Lot Number	1
Jurisdiction	NEVADA CA
Township / Civil Division	GRASS VALLEY
Census Block Group	3
Census Block	3038
Census Tract	404

Owner

Source: Nevada County records, as of August 3, 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 Individual Names on Record
Mailing Address	18088 GRAY OAK DR, ROUGH AND READY, CA 95975-9790
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Grant Deed, Transfer · Conventional Mortgage ALT FUNDING
Oct 26, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 8, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Aug 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Nov 26, 2017	Deed of Trust, Mortgage · VA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2026 · Amount on Record
Deed Sale	Jul 23, 2026 · Amount on Record
Prior Sale	Dec 31, 2012 · Amount on Record
Deed Document Number	202611794
Record Updated	Oct 29, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NEVADA CA
Recording Date	Jul 23, 2026
Property Address	18088 GRAY OAK DR, ROUGH AND READY, CA 95975-9790
Document Number	0000011794
Instrument Date	Jul 20, 2026
Instrument	202611794
Transaction Type	Transfer
Record Updated	Aug 3, 2026
Title Company	PLACER TITLE ER, PLACER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$80,547.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	18088 GRAY OAK DR, ROUGH AND READY, CA 95975-9790

Mortgage

Document Number	0000011795,
Date	Jul 23, 2026
Instrument	202611795

Lender

Name	ALT FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEVADA CA
Property Address	18088 GRAY OAK DR, ROUGH AND READY, CA 95975-9790
Transaction Type	Mortgage
Record Updated	Nov 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18088 GRAY OAK DR, ROUGH AND READY, CA 95975-9790

Mortgage

Document Number	0000034358
Date	Oct 26, 2021
Instrument	20210034358

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEVADA CA
Property Address	18088 GRAY OAK DR, ROUGH AND READY, CA 95975-9790
Document Number	0000016623
Instrument Date	Jul 8, 2020
Transaction Type	Mortgage
Record Updated	Jul 30, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	18088 GRAY OAK DR ROUGH AND READY CA 959759790, ROUGH AND READY, CA 95975-9790

Mortgage

Document Number	0000016623
Date	Jul 20, 2020
Instrument	16623

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEVADA CA
Property Address	18088 GRAY OAK DR, ROUGH AND READY, CA 95975-9790
Document Number	0000018962
Instrument Date	Aug 23, 2019
Transaction Type	Mortgage
Record Updated	Mar 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	18088 GRAY OAK DR ROUGH AND READY CA 959759790, ROUGH AND READY, CA 95975-9790

Mortgage

Document Number	0000018962
Date	Sep 27, 2019
Instrument	18962

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 26, 2034

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEVADA CA
Property Address	18088 GRAY OAK DR, ROUGH AND READY, CA 95975-9790
Document Number	0000027386
Instrument Date	Nov 26, 2017
Transaction Type	Mortgage
Record Updated	Mar 6, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	18088 GRAY OAK DR ROUGH AND READY CA 959759790, ROUGH AND READY, CA 95975-9790

Mortgage

Document Number	0000027386
Date	Dec 7, 2017
Instrument	27386

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 6, 2047

Tax Assessment & Valuation

Source: Nevada County assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	California
County	Nevada County
Elementary School District	Penn Valley Union Elementary School District (KG - 08)
Secondary School District	Nevada Joint Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$389,362 (+2%) Land $113,037 Building $276,325
2025	$4,281.00 (+4.16%)	$381,728 (+4.04%) Land $110,821 Building $270,907
2023	$4,110.00 (+2.11%)	$366,908 Land $106,519 Building $260,389	$578,970
2022	$4,025.00

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 August 20, 2024

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	High above 80% of the US · above 58% of California
Wildfire Likelihood	0.5% 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Succeed.Net Fixed Wireless	100 / 50
SmarterBroadband Fixed Wireless	100 / 25
T-Mobile Fixed Wireless	100 / 20
DigitalPath Fixed Wireless	75 / 10

May also be available: AT&T.

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