186 Stephen Ave, Auburn, CA 95603 Property Records

Placer County property record for 186 Stephen Ave, Auburn, CA 95603

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,270 sqft · built 1960
Lot Size	0.172 acres (7,502 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Oct 2005)
Tax Bill	$5,435 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`003-032-007-000`

Property Details

APN / Parcel Number

Primary APN	`003-032-007-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,270 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Cape Cod
Construction Type	Frame
Lot Area	7,502 sqft (0.172 acres)
Garage Area	627 sqft
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool

Location & Zoning

Street Address	186 STEPHEN AVE
City	AUBURN
State	CA
Zip	95603-4324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FR SEC 10 12 8
Legal Range	8E
Legal Township	12N
Legal Section	10
Jurisdiction	PLACER CA
Township / Civil Division	AUBURN
Census Block Group	1
Census Block	1016
Census Tract	20300

Owner

186 Stephen Ave is owned and occupied by two individuals who bought it in October 2005.

Source: Placer County records, as of July 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	186 STEPHEN AVE, AUBURN, CA 95603-4324
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 14, 2022	Deed of Trust, Mortgage · Line of Credit FIRST US COMMUNITY CU
Dec 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2005 · Amount on File
Deed Sale	Oct 18, 2005 · Amount on File
Deed Document Number	2005140094
Prior Transfer Date	Aug 31, 1994
Prior Transfer Doc	0000063378
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	186 STEPHEN AVE, AUBURN, CA 95603-4324
Transaction Type	Mortgage
Record Updated	Feb 25, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 STEPHEN AVE, AUBURN, CA 95603-4324

Mortgage

Document Number	0000013431
Date	Feb 14, 2022
Instrument	2022-0013431

Lender

Name	FIRST US COMMUNITY CU
Type	Credit Union
Address	SACRAMENTO, CA 95825

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Feb 28, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	186 STEPHEN AVE, AUBURN, CA 95603-4324
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TRGC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 STEPHEN AVE, AUBURN, CA 95603-4324

Mortgage

Document Number	0000140664
Date	Dec 2, 2020
Instrument	2020-0140664

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 186 Stephen Ave was $5,435 with a homeowner's exemption.

Source: Placer County assessment roll, as of July 13, 2026

Property Jurisdictions

Type	Name
State	California
Municipality	Auburn City
County	Placer County
Elementary School District	Auburn Union Elementary School District (KG - 08)
Secondary School District	Placer Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$446,029 (+2%) Land $139,378 Building $306,651
2025	$5,435.00 Homeowner's exemption	$437,285 Land $136,646 Building $300,639
2023	$5,351.00 (+0.47%) Homeowner's exemption	$420,307 Land $131,341 Building $288,966
2022	$5,326.00

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

Flood

FEMA maps place 186 Stephen Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 17, 2026

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

Wildfire risk around 186 Stephen Ave is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	PLACER CWA - AUBURN/BOWMAN serves 27,317 people · EPA ID CA3110005
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2023–2025) 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 404 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: GeoLinks, T-Mobile.

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