Tehama County property record for 18703 Saddleback Ridge Loop, Cottonwood, CA 96022
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,677 sqft · built 2002 |
| Lot Size | 4.66 acres (202,990 sqft) |
| Owner | Individual Name on File |
| Last Sale | $340,000 (Jun 2016) |
| Tax Bill | $1,991 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 007-510-031-000 |
| Primary APN | 007-510-031-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,677 sqft Living Area |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Construction Type | Wood |
| Lot Area | 202,990 sqft |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 18703 SADDLEBACK RIDGE LOOP |
|---|---|
| City | COTTONWOOD |
| State | CA |
| Zip | 96022-8041 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R1AB86 |
| Legal Description | LOT 4 ROYAL OAKS #2 EX M/R |
| Legal Subdivision | ROYAL OAKS |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | TEHAMA CA |
| Township / Civil Division | RED BLUFF |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 202 |
18703 Saddleback Ridge Loop, a rural home, is owned and occupied by an individual who bought it in June 2016.
Source: Tehama County records, as of July 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 18703 SADDLEBACK RIDGE LOOP, COTTONWOOD, CA 96022-8041 |
| 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.
| Date | Document |
|---|---|
| Jun 10, 2022 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Jan 4, 2020 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Oct 3, 2017 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 30, 2016 · Amount on File |
| Deed Sale | Jun 30, 2016 · Amount on File |
| Prior Sale | Apr 21, 2006 · Amount on File |
| Deed Document Number | 20166888 |
| Prior Transfer Date | Jun 17, 2016 |
| Prior Transfer Doc | 0000006889 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TEHAMA CA |
| Property Address | 18703 SADDLEBACK RIDGE LOOP, COTTONWOOD, CA 96022-8041 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2023 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 18703 SADDLEBACK RIDGE LOOP, COTTONWOOD, CA 96022-8041 |
| Document Number | 0000007390 |
|---|---|
| Date | Jun 10, 2022 |
| Instrument | 2022007390 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TEHAMA CA |
| Property Address | 18703 SADDLEBACK RIDGE LOOP, COTTONWOOD, CA 96022-8041 |
| Document Number | 0000000244 |
| Instrument Date | Jan 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2020 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 18703 SADDLEBACK RIDGE LOOP COTTONWOOD CA 960228041, COTTONWOOD, CA 96022-8041 |
| Document Number | 0000000244 |
|---|---|
| Date | Jan 9, 2020 |
| Instrument | 244 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 8, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TEHAMA CA |
| Property Address | 18703 SADDLEBACK RIDGE LOOP, COTTONWOOD, CA 96022-8041 |
| Document Number | 0000012875 |
| Instrument Date | Oct 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2017 |
| Title Company | TITLE SOURCES INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 18703 SADDLEBACK RIDGE LOOP COTTONWOOD CA 960228041, COTTONWOOD, CA 96022-8041 |
| Document Number | 0000012875 |
|---|---|
| Date | Oct 12, 2017 |
| Instrument | 12875 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 11, 2047 |
The 2025 property tax bill for 18703 Saddleback Ridge Loop was $1,991 with a veteran's exemption.
Source: Tehama County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | California |
| County | Tehama County |
| Elementary School District | Evergreen Union Elementary School District (KG - 08) |
| Secondary School District | Red Bluff Joint Union High School District (09 - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $365,898 (-) Land $139,926 Building $225,972 | |
| 2025 | $1,991.00 Disabled Person's exemption Veteran's exemption | $365,898 Land $139,926 Building $225,972 |
| 2023 | $2,149.00 (-4.15%) Disabled Person's exemption Veteran's exemption | $365,898 Land $139,926 Building $225,972 |
| 2022 | $2,242.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 18703 Saddleback Ridge Loop in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective October 23, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 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 risk around 18703 Saddleback Ridge Loop is extreme, ranking above 96% of the US, with a 2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Extreme above 96% of the US · above 84% of California |
|---|---|
| Wildfire Likelihood | 2% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SADDLEBACK MUTUAL WATER CO. private · serves 90 people · EPA ID CA5200645 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2021 |
| Lead | Under 1 ppb (2015–2017) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory currently in violation since Oct 2024 |
| 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.
Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| DigitalPath Fixed Wireless | 400 / 20 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Cal.net Fixed Wireless | 100 / 20 |
| ShastaBeam Fixed Wireless | 75 / 5 |
| Com-Pair Services Fixed Wireless | 25 / 4 |
May also be available: AT&T.
5G and 4G LTE (outdoors only)
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