Tuolumne County property record for 21920 el Oso Way, Sonora, CA 95370
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,056 sqft · built 1971 |
| Lot Size | 0.98 acres (4,279 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,009 (2025) |
| Deeds & Mortgages | May 2019 Mortgage Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 085-220-047-000 |
| Primary APN | 085-220-047-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| 1st Floor Area | 1,056 sqft |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Construction Type | Wood |
| Lot Area | 4,279 sqft (0.98 acres) |
| Cooling System | None |
|---|
| Old Parcel Number | 085-220-047 |
|---|---|
| Street Address | 21920 EL OSO WAY |
| City | SONORA |
| State | CA |
| Zip | 95370-9667 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 307A PM 15-74 POR PHOENIX LAKE CC ESTATES 3 |
| Legal Subdivision | PHOENIX LAKE CC ESTATE |
| Legal Lot Number | 307A |
| Jurisdiction | TUOLUMNE CA |
| Township / Civil Division | EAST SONORA-PHOENIX LAKE |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 2202 |
21920 el Oso Way is owned and occupied by two individuals who acquired it in April 2023.
Source: Tuolumne County records, as of July 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 21920 EL OSO WAY, SONORA, CA 95370-9667 |
| 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 |
|---|---|
| May 17, 2019 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Sep 7, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 11, 2023 |
| Transfer Doc | 0000002734 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TUOLUMNE CA |
| Property Address | 21920 EL OSO WAY, SONORA, CA 95370-9667 |
| Document Number | 0000004918 |
| Instrument Date | May 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 21920 EL OSO WAY SONORA CA 953709667, SONORA, CA 95370-9667 |
| Document Number | 0000004918 |
|---|---|
| Date | May 24, 2019 |
| Instrument | 4918 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 23, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TUOLUMNE CA |
| Property Address | 21920 EL OSO WAY, SONORA, CA 95370-9667 |
| Document Number | 0000011283 |
| Instrument Date | Sep 7, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2017 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 21920 EL OSO WAY SONORA CA 953709667, SONORA, CA 95370-9667 |
| Document Number | 0000011283 |
|---|---|
| Date | Oct 2, 2017 |
| Instrument | 11283 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2047 |
The 2025 property tax bill for 21920 el Oso Way was $2,009.
Source: Tuolumne County assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | California |
| County | Tuolumne County |
| Elementary School District | Curtis Creek Elementary School District (KG - 08) |
| Secondary School District | Sonora Union High School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $196,242 (+2%) Land $47,155 Building $149,087 | ||
| 2025 | $2,009.00 | $192,395 Land $46,231 Building $146,164 | |
| 2023 | $1,933.00 (+2.06%) | $184,927 Land $44,437 Building $140,490 | $328,770 |
| 2022 | $1,894.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21920 el Oso Way in Zone X, an area of minimal flood risk.
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 | 2 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 21920 el Oso Way is very high, ranking above 90% of the US, with a 1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Very High above 90% of the US · above 73% of California |
|---|---|
| Wildfire Likelihood | 1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | PHOENIX LAKE ESTATES CC MWC private · serves 1,168 people · EPA ID CA5510026 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 121 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 |
| Cal.net Fixed Wireless | 100 / 20 |
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