18686 Mother Lode Dr, Twain Harte, CA 95383 Property Records

Tuolumne County property record for 18686 Mother Lode Dr, Twain Harte, CA 95383

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,244 sqft · built 1984
Lot Size	0.221 acres (9,634 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Nov 2025)
Tax Bill	$5,879 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Nov 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`049-052-012-000`

Property Details

APN / Parcel Number

Primary APN	`049-052-012-000`
Alternative APNs	`049-052-012` `0490521200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,244 sqft Living Area
1st Floor Area	1,244 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Modern
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,634 sqft (0.221 acres)

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Old Parcel Number	049-052-012
Street Address	18686 MOTHER LODE DR
City	TWAIN HARTE
State	CA
Zip	95383
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1,MX
Legal Description	TWAIN HARTE 3 L6 BLK6
Legal Subdivision	TWAIN HARTE 3
Legal Block	6
Legal Lot Number	6
Jurisdiction	TUOLUMNE CA
Township / Civil Division	TWAIN HARTE-TUOLUMNE CITY
Census Block Group	1
Census Block	1031
Census Tract	3101

Owner

Source: Tuolumne County records, as of July 7, 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	18686 MOTHER LODE DR, TWAIN HARTE, CA 95383
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 7, 2025	Grant Deed, Transfer · Conventional Mortgage HOMETOWN EQUITY MORTGAGE
Dec 13, 2021	Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2025 · Amount on Record
Deed Sale	Nov 7, 2025 · Amount on Record
Prior Sale	Dec 13, 2021 · Amount on Record
Deed Document Number	202510086
Transfer Doc	0000019314
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TUOLUMNE CA
Property Address	18686 MOTHER LODE DR, TWAIN HARTE, CA 95383
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	356 HARBOR DR, SANTA CRUZ, CA 95062-2612

Mortgage

Document Number	0000003071
Date	Mar 8, 2022
Instrument	2022003071

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

November 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	TUOLUMNE CA
Recording Date	Nov 7, 2025
Property Address	18686 MOTHER LODE DR, TWAIN HARTE, CA 95383
Document Number	0000010086
Map Reference	VOL 6 PG 3
Instrument Date	Oct 2, 2025
Instrument	2025010086
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL 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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	18686 MOTHER LODE DR, TWAIN HARTE, CA 95383

Mortgage

Document Number	0000010087
Date	Nov 7, 2025
Instrument	2025010087

Lender

Name	HOMETOWN EQUITY MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	TUOLUMNE CA
Recording Date	Dec 13, 2021
Property Address	18686 MOTHER LODE DR, TWAIN HARTE, CA 95383
Document Number	0000019315
Map Reference	VOL 6 PG 3
Instrument Date	Dec 8, 2021
Instrument	2021019315
Transaction Type	Transfer
Record Updated	Dec 29, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	365 HARBOR DR, SANTA CRUZ, CA 95062-2611

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Tuolumne County
Secondary School District	Summerville Union High School District (09 - 12)
Elementary School District	Twain Harte School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$500,000 (-0.81%) Land $95,000 Building $405,000
2025	$5,879.00 (+7.36%)	$504,073 (+4.04%) Land $95,508 Building $408,565
2023	$5,476.00 (-3.9%)	$484,500 Land $91,800 Building $392,700	$481,230
2022	$5,698.00

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 October 21, 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

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	Moderate above 60% of the US · lower than 64% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TWAIN HARTE COMMUNITY SERVICES DISTRICT serves 2,378 people · EPA ID CA5510005
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	Under 1 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	1 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 351 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Cal.net Fixed Wireless	100 / 20

May also be available: Verizon.

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