207 Clay St, Nevada City, CA 95959 Property Records

Nevada County property record for 207 Clay St, Nevada City, CA 95959

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,648 sqft · built 1978
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Mar 2013)
Tax Bill	$4,836 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`005-440-018-000`

Property Details

APN / Parcel Number

Primary APN	`005-440-018-000`
Alternative APN	`05-440-18-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,648 sqft Living Area
1st Floor Area	1,004 sqft
Basement Area	644 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Traditional
Lot Area	11,761 sqft (0.27 acres)
Terrain	Below Road/Slope
View / Lot	Average
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Patio Area	1,648 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected
Water Source	Commercial

Location & Zoning

Old Parcel Number	05-440-18-000
Street Address	207 CLAY ST
City	NEVADA CITY
State	CA
Zip	95959-2815
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PCL B PM 11/83
Legal Subdivision	MAP FOR JAMES SAUNDERS GRILL
Legal Lot Number	B
Jurisdiction	NEVADA CA
Township / Civil Division	NEVADA CITY
Census Block Group	2
Census Block	2004
Census Tract	802

Owner

Source: Nevada County records, as of July 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	207 CLAY ST, NEVADA CITY, CA 95959-2815
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Feb 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage BETTER MTG CORP ISAOA
Jun 18, 2019	Loan Modification, Mortgage · Conventional Mortgage TRI COUNTIES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2013 · Amount on Record
Deed Sale	Mar 15, 2013 · Amount on Record
Deed Document Number	20137260
Last Transfer Date	Jun 16, 2015
Transfer Doc	0000017584
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEVADA CA
Property Address	207 CLAY ST, NEVADA CITY, CA 95959-2815
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	ORABGE COAST TITLE, ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 CLAY ST, NEVADA CITY, CA 95959-2815

Mortgage

Document Number	0000019908
Date	Jun 8, 2021
Instrument	20210019908

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEVADA CA
Property Address	207 CLAY ST, NEVADA CITY, CA 95959-2815
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003150
Date	Feb 11, 2020
Instrument	20200003150

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2050

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEVADA CA
Property Address	207 CLAY ST, NEVADA CITY, CA 95959-2815
Document Number	0000030503
Instrument Date	Oct 26, 2020
Transaction Type	Mortgage
Record Updated	Nov 27, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	207 CLAY ST NEVADA CITY CA 959592815, NEVADA CITY, CA 95959-2815

Mortgage

Document Number	0000030503
Date	Nov 9, 2020
Instrument	30503

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 2050

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	NEVADA CA
Property Address	207 CLAY ST, NEVADA CITY, CA 95959-2815
Document Number	0000012544
Instrument Date	Jun 18, 2019
Transaction Type	Mortgage
Record Updated	Mar 6, 2020
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	207 CLAY ST NEVADA CITY CA 959592815, NEVADA CITY, CA 95959-2815

Mortgage

Document Number	0000012544
Date	Jul 5, 2019
Instrument	12544

Lender

Name	TRI COUNTIES BANK
Type	Bank
Address	NEVADA CITY, CA 95959

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$471,007 (+2%) Land $188,401 Building $282,606
2025	$4,836.00 (+4.11%) Homeowner's exemption	$461,772 (+4.04%) Land $184,707 Building $277,065
2023	$4,645.00 (+2.09%) Homeowner's exemption	$443,843 Land $177,536 Building $266,307	$698,400
2022	$4,550.00

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 August 20, 2024 · 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
Nearby Flood Claims	7 (1982–2017)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Feb 2017 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 4 claims

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	High above 70% of the US · above 45% of California
Wildfire Likelihood	0.3% 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	CITY OF NEVADA CITY serves 3,148 people · EPA ID CA2910002
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Jan 2023
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 260 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
SmarterBroadband Fixed Wireless	100 / 25

May also be available: GeoLinks.

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