18111 Joy Cir, Challenge, CA 95925 Property Records

Yuba County property record for 18111 Joy Cir, Challenge, CA 95925

Property Summary

Property Type	Single Family Home
Details	694 sqft · built 1945
Lot Size	0.118 acres (5,154 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Oct 2023)
Tax Bill	$314 (2023)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Apr 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`050-140-035-000`

Property Details

APN / Parcel Number

Primary APN	`050-140-035-000`
Alternative APNs	`050-140-035` `50140035000`

Interior

Stories	1 Story
Building Area	694 sqft Living Area
Gross Area	766 sqft
1st Floor Area	694 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Lot Area	5,154 sqft (0.118 acres)
Porch	Covered Wood Porch

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Old Parcel Number	050-140-035
Street Address	18111 JOY CIR
City	CHALLENGE
State	CA
Zip	95925
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A/RR
Legal Description	PTN SW1/4 SEC 20 TWP 19 RGE 7
Jurisdiction	YUBA CA
Township / Civil Division	YUBA FOOTHILLS
Census Block Group	1
Census Block	1099
Census Tract	41101

Owner

Source: Yuba County records, as of July 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	18111 JOY CIR, CHALLENGE, CA 95925
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2023	Grant Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 7, 2023	Deed of Trust, Mortgage · Commercial Mortgage HARACLO M SILVA
Jun 17, 2022	Grant Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Oct 18, 2021	Grant Deed, Transfer
Aug 5, 2020	Grant Deed, Transfer MID VALLEY TITLE AND ESCROW COMPANY, MID VLY TITLE & ESCROW CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2023 · Amount on Record
Deed Sale	Oct 24, 2023 · Amount on Record
Prior Sale	Jun 17, 2022 · Amount on Record
Deed Document Number	202311350
Prior Transfer Date	Apr 2, 2007
Prior Transfer Doc	0000006120
Record Updated	Sep 20, 2026

October 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	YUBA CA
Recording Date	Oct 24, 2023
Property Address	18111 JOY CIR, CHALLENGE, CA 95925-9604
Document Number	0000011350
Instrument Date	Oct 20, 2023
Instrument	2023-011350
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18111 JOY CIR, CHALLENGE, CA 95925-9604

Mortgage

Document Number	0000011351
Date	Oct 24, 2023
Instrument	2023-011351

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YUBA CA
Property Address	CHALLENGE, CA 95925
Transaction Type	Mortgage
Record Updated	Apr 24, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	800 WINERY WAY, MODESTO, CA 95356-2132

Mortgage

Document Number	0000003507
Date	Apr 7, 2023
Instrument	2023-003507

Lender

Name	HARACLO M SILVA
Type	Private Party
Address	PO BOX 2870, TURLOCK, CA 95381

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	YUBA CA
Recording Date	Jun 17, 2022
Property Address	CHALLENGE, CA 95925
Document Number	0000009701
Instrument Date	Jun 10, 2022
Instrument	2022-009701
Transaction Type	Transfer
Record Updated	Jul 5, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	800 WINERY WAY, MODESTO, CA 95356-2132

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	YUBA CA
Recording Date	Oct 18, 2021
Property Address	CHALLENGE, CA 95925
Document Number	0000019395
Instrument Date	Oct 15, 2021
Instrument	2021-019395
Transaction Type	Transfer
Record Updated	Oct 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	695 CABRILLO DR, CHICO, CA 95973-0410

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	YUBA CA
Recording Date	Aug 5, 2020
Property Address	CHALLENGE, CA 95925
Document Number	0000011991
Instrument Date	Jul 29, 2020
Instrument	11991
Transaction Type	Transfer
Record Updated	Aug 24, 2020
Title Company	MID VALLEY TITLE AND ESCROW COMPANY, MID VLY TITLE & ESCROW CO

Transaction

Amount	Amount Recorded
Tax	$69.00
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	944 SHERIDAN AVE CHICO CA 959263537, CHICO, CA 95926-3537

Tax Assessment & Valuation

Source: Yuba County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	Yuba County
Unified School District	Marysville Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$213,282 (+850.45%) Land $15,606 Building $197,676
2023	$314.00 (-35.26%)	$22,440 Land $8,160 Building $14,280
2022	$485.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective June 5, 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	Extreme above 97.9% of the US · above 88% of California
Wildfire Likelihood	3% 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	NORTH YUBA WATER DISTRICT serves 2,772 people · EPA ID CA5810006
Water Source	Surface water
Last State Inspection	Oct 2023
Lead	2 ppb (2022–2024) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
DigitalPath Fixed Wireless	10 / 1

Cell Coverage

No cell data coverage reported

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