224 Saddlehorn Loop, Lincoln, CA 95648 Property Records

Placer County property record for 224 Saddlehorn Loop, Lincoln, CA 95648

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,020 sqft · built 2003
Lot Size	0.101 acres (4,387 sqft)
Owner	Company Name on Record
Last Sale	$455,000 (Nov 2022)
Tax Bill	$4,851 (2025)
Deeds & Mortgages	Dec 2022 Transfer Nov 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`338-110-014-000`

Property Details

APN / Parcel Number

Primary APN	`338-110-014-000`
Alternative APN	`338-110-014`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Building Area	1,020 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Construction Type	Frame
Lot Area	4,387 sqft (0.101 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	338-110-014
Street Address	224 SADDLEHORN LOOP
City	LINCOLN
State	CA
Zip	95648-8382
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 34 SUN CITY LINCOLN HILLS VILLAGE 5A MOR Y-42
Legal Subdivision	SUN CITY LINCOLN HILLS
Legal Lot Number	34
Jurisdiction	PLACER CA
Township / Civil Division	LINCOLN
Census Block Group	1
Census Block	1001
Census Tract	23700

Owner

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	Company Name on Record
Mailing Address	224 SADDLEHORN LOOP, LINCOLN, CA 95648-8382
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2022	Intrafamily Transfer, Transfer
Nov 9, 2022	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST
Dec 3, 2018	Quit Claim Deed, Transfer Quitclaim
Aug 29, 2018	Grant Deed, Transfer · Conventional Mortgage BANK OF THE WEST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2022 · Amount on Record
Deed Sale	Nov 9, 2022 · Amount on Record
Prior Sale	Aug 29, 2018 · Amount on Record
Deed Document Number	202284198
Last Transfer Date	Nov 16, 2022
Transfer Doc	0000093417
Record Updated	Sep 20, 2026

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PLACER CA
Recording Date	Dec 27, 2022
Property Address	224 SADDLEHORN LOOP, LINCOLN, CA 95648-8382
Document Number	0000093417
Map Reference	MB Y PG 42
Instrument Date	Nov 16, 2022
Instrument	2022-0093417
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	224 SADDLEHORN LOOP, LINCOLN, CA 95648-8382

November 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PLACER CA
Recording Date	Nov 9, 2022
Property Address	224 SADDLEHORN LOOP, LINCOLN, CA 95648-8382
Document Number	0000084198
Map Reference	MB Y PG 42
Instrument Date	Nov 1, 2022
Instrument	2022-0084198
Transaction Type	Transfer
Record Updated	Nov 24, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5495 GROVE AVE, MARYSVILLE, CA 95901

Mortgage

Document Number	0000084199
Date	Nov 9, 2022
Instrument	2022-0084199

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Dec 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.3%
Index	Other
Margin	3
Max Rate	11.3%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	224 SADDLEHORN LOOP, LINCOLN, CA 95648-8382
Document Number	0000015152
Instrument Date	Jan 25, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	224 SADDLEHORN LOOP LINCOLN CA 956488382, LINCOLN, CA 95648-8382

Mortgage

Document Number	0000015152
Date	Feb 21, 2020
Instrument	15152

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2050

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PLACER CA
Recording Date	Dec 3, 2018
Property Address	224 SADDLEHORN LOOP, LINCOLN, CA 95648-8382
Document Number	0000087228
Instrument Date	Dec 3, 2018
Instrument	87228
Transaction Type	Transfer
Record Updated	Dec 17, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	224 SADDLEHORN LOOP LINCOLN CA 956488382, LINCOLN, CA 95648-8382

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PLACER CA
Recording Date	Aug 29, 2018
Property Address	224 SADDLEHORN LOOP, LINCOLN, CA 95648-8382
Document Number	0000062570
Instrument Date	Aug 27, 2018
Instrument	62570
Transaction Type	Transfer
Record Updated	Sep 12, 2018
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$407.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	224 SADDLEHORN LOOP LINCOLN CA 956488382, LINCOLN, CA 95648-8382

Mortgage

Document Number	62571
Date	Aug 29, 2018
Instrument	62571

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68164

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2048

Tax Assessment & Valuation

Source: Placer County assessment roll, as of July 13, 2026

Property Jurisdictions

Type	Name
State	California
County	Placer County
Municipality	Lincoln City
Unified School District	Western Placer Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$445,000 (-5.32%) Land $161,400 Building $283,600
2025	$4,851.00 (+1.68%) Homeowner's exemption	$470,000 (+3.3%) Land $170,400 Building $299,600
2023	$4,771.00 (+16.59%) Homeowner's exemption	$455,000 Land $165,000 Building $290,000
2022	$4,092.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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
Nearby Flood Policies	7 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 78% of California
Wildfire Likelihood	0.04% 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 LINCOLN serves 56,268 people · EPA ID CA3110004
Water Source	Purchased surface water from PLACER CWA - FOOTHILL
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 370 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Zeta Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Corridor Wireless Fixed Wireless	100 / 100
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Fidium Fiber.

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