Placer County property record for 1910 Spooner Lake Loop, Lincoln, CA 95648
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,985 sqft · built 2023 |
| Owner | Individual Name on File |
| Tax Bill | $11,439 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Mar 2024 Sale & Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 021-980-048-000 |
| Primary APN | 021-980-048-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,985 sqft Living Area |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Garage Area | 607 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 1910 SPOONER LAKE LOOP |
|---|---|
| City | LINCOLN |
| State | CA |
| Zip | 95648-7776 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L 837 ESPLANADE AT TURKEY CREEK PH 5A,5B, 5C GG-51 |
| Legal Lot Number | 837 |
| Jurisdiction | PLACER CA |
| Township / Civil Division | LINCOLN |
| Census Block Group | 4 |
| Census Block | 4028 |
| Census Tract | 21304 |
1910 Spooner Lake Loop is owned and occupied by an individual.
Source: Placer County records, as of July 13, 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 | 1910 SPOONER LAKE LOOP, LINCOLN, CA 95648-7776 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 24, 2025 | Deed of Trust, Mortgage · Conventional Mortgage THE LOAN STORE INC |
| Mar 25, 2024 | Grant Deed, Construction Loan · Construction Mortgage HFS FUND IV LLC |
| Mar 29, 2024 | Grant Deed, Transfer FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PLACER CA |
| Property Address | 1910 SPOONER LAKE LOOP, LINCOLN, CA 95648-7776 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1910 SPOONER LAKE LOOP, LINCOLN, CA 95648-7776 |
| Document Number | 0000051627 |
|---|---|
| Date | Sep 24, 2025 |
| Instrument | 2025-0051627 |
| Name | THE LOAN STORE INC |
|---|---|
| Type | Mortgage Company |
| Address | TUCSON, AZ 85718 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | PLACER CA |
| Recording Date | Mar 25, 2024 |
| Property Address | 1910 SPOONER LAKE LOOP, LINCOLN, CA 95648-7776 |
| Document Number | 0000015370 |
| Map Reference | MB GG PG 51 |
| Instrument Date | Mar 21, 2024 |
| Instrument | 2024-0015370 |
| Transaction Type | Construction Loan |
| Record Updated | Apr 4, 2024 |
| Title Company | FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1910 SPOONER LAKE LOOP, LINCOLN, CA 95648-7776 |
| Document Number | 0000015371 |
|---|---|
| Date | Mar 25, 2024 |
| Instrument | 2024-0015371 |
| Name | HFS FUND IV LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | PLACER CA |
| Recording Date | Mar 29, 2024 |
| Property Address | 1910 SPOONER LAKE LOOP, LINCOLN, CA 95648-7776 |
| Document Number | 0000016382 |
| Map Reference | MB GG PG 51 |
| Instrument Date | Mar 20, 2024 |
| Instrument | 2024-0016382 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2024 |
| Title Company | FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 1240 ALPINE WAY, LINCOLN, CA 95648-7771 |
The 2025 property tax bill for 1910 Spooner Lake Loop was $11,439 with a homeowner's exemption.
Source: Placer County assessment roll, as of July 13, 2026
| Type | Name |
|---|---|
| State | California |
| County | Placer County |
| Municipality | Lincoln City |
| Unified School District | Western Placer Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $802,743 (-24.78%) Land $144,892 Building $657,851 | |
| 2025 | $11,439.00 Homeowner's exemption | $1,067,207 Land $183,600 Building $883,607 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 1910 Spooner Lake 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 May 17, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 3 (1986–1995) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Apr 1995 · Severe Winter Storms, Flooding Landslides, Mud Flow |
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 1910 Spooner Lake Loop is high, ranking above 73% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 73% of the US · above 48% of California |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 278 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Astound Broadband Fiber · Cable in parts of the area | 1,500 / 1,500 |
| Zeta Broadband Fixed Wireless | 400 / 50 |
| Corridor Wireless Fixed Wireless | 100 / 100 |
| Succeed.Net Fixed Wireless | 100 / 50 |
| Cal.net Fixed Wireless | 100 / 20 |
May also be available: Fidium Fiber, Verizon.
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