Tehama County property record for 18783 Saddleback Ridge Loop, Cottonwood, CA 96022
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 2 ba · 1,792 sqft · built 1983 |
| Lot Size | 3.06 acres (133,729 sqft) |
| Owner | Individual Name on File |
| Last Sale | $387,500 (Nov 2024) |
| Tax Bill | $4,016 (2025) |
| Deeds & Mortgages | Nov 2017 Mortgage May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 007-510-009-000 |
| Primary APN | 007-510-009-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,792 sqft Living Area |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Construction Type | Wood |
| Lot Area | 133,729 sqft |
| Garage Type | Attached |
| Garage Area | 444 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Street Address | 18783 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 | LT 9 ROYAL OAKS SUB #1 EX M/R |
| Legal Subdivision | ROYAL OAKS SUB |
| Legal Block | 2 |
| Legal Lot Number | 9 |
| Jurisdiction | TEHAMA CA |
| Township / Civil Division | RED BLUFF |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 202 |
18783 Saddleback Ridge Loop, a rural home, is owned and occupied by an individual who bought it in November 2024.
Source: Tehama County records, as of July 23, 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 | Individual Name on File |
|---|---|
| Mailing Address | 18783 SADDLEBACK RIDGE LOOP, COTTONWOOD, CA 96022-8041 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Nov 22, 2017 | Deed of Trust, Mortgage · Commercial Mortgage FIVE STAR BANK |
| May 28, 2020 | Deed of Trust, Mortgage · Conventional with PMI LAKEVIEW LN SERVICING |
| Jun 17, 2019 | Grant Deed, Transfer · FHA Mortgage LOAN SIMPLE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 22, 2024 · Amount on File |
| Deed Sale | Nov 22, 2024 · Amount on File |
| Prior Sale | Jun 17, 2019 · Amount on File |
| Deed Document Number | 202411086 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TEHAMA CA |
| Property Address | 18783 SADDLEBACK RIDGE LOOP, COTTONWOOD, CA 96022-8041 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000014701 |
|---|---|
| Date | Nov 22, 2017 |
| Instrument | 2017014701 |
| Name | FIVE STAR BANK |
|---|---|
| Type | Bank |
| Address | RANCHO CORDOVA, CA 95670 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TEHAMA CA |
| Property Address | 18783 SADDLEBACK RIDGE LOOP, COTTONWOOD, CA 96022-8041 |
| Document Number | 0000007411 |
| Instrument Date | May 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 18783 SADDLEBACK RIDGE LOOP COTTONWOOD CA 960228041, COTTONWOOD, CA 96022-8041 |
| Document Number | 0000007411 |
|---|---|
| Date | Jul 1, 2020 |
| Instrument | 7411 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | CORAL GABLES, FL 33146 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 30, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | TEHAMA CA |
| Recording Date | Jun 17, 2019 |
| Property Address | 18783 SADDLEBACK RIDGE LOOP, COTTONWOOD, CA 96022-8041 |
| Document Number | 0000007656 |
| Instrument Date | Jun 7, 2019 |
| Instrument | 7656 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2019 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $321.20 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 18783 SADDLEBACK RIDGE LOOP COTTONWOOD CA 960228041, COTTONWOOD, CA 96022-8041 |
| Document Number | 7657 |
|---|---|
| Date | Jun 17, 2019 |
| Instrument | 7657 |
| Name | LOAN SIMPLE INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ENGLEWOOD, CO 80112 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 16, 2049 |
The 2025 property tax bill for 18783 Saddleback Ridge Loop was $4,016.
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 | $395,250 (+2%) Land $122,400 Building $272,850 | |
| 2025 | $4,016.00 | $387,500 Land $120,000 Building $267,500 |
| 2023 | $3,269.00 (+2.93%) | $313,080 Land $107,219 Building $205,861 |
| 2022 | $3,176.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 18783 Saddleback Ridge Loop in Zone X, an area of minimal flood risk.
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 |
|---|---|
| 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 18783 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 (outdoors only) and 4G LTE
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