Calaveras County property record for 2286 Charmstone Way, Copperopolis, CA 95228
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,591 sqft · built 2006 |
| Lot Size | 0.56 acres (24,394 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $377,000 (Sep 2018) |
| Tax Bill | $4,859 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-010-017-000 |
| Primary APN | 055-010-017-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,591 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Construction Type | Wood |
| Lot Area | 24,394 sqft (0.56 acres) |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 2286 CHARMSTONE WAY |
|---|---|
| City | COPPEROPOLIS |
| State | CA |
| Zip | 95228-9725 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | COPPER COVE UNIT 1 LOT 477 |
| Legal Subdivision | COPPER COVE |
| Legal Lot Number | 477 |
| Jurisdiction | CALAVERAS CA |
| Township / Civil Division | ANGELS CITY |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 123 |
Source: Calaveras County records, as of July 2, 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 | 2286 CHARMSTONE WAY, COPPEROPOLIS, CA 95228-9725 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Aug 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 19, 2018 | Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 19, 2018 · Amount on Record |
| Deed Sale | Sep 19, 2018 · Amount on Record |
| Prior Sale | May 26, 2011 · Amount on Record |
| Deed Document Number | 201810603 |
| Prior Transfer Date | Apr 25, 2011 |
| Prior Transfer Doc | 0000005896 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALAVERAS CA |
| Property Address | 2286 CHARMSTONE WAY, COPPEROPOLIS, CA 95228-9725 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2021 |
| Title Company | NORTH AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 2286 CHARMSTONE WAY, COPPEROPOLIS, CA 95228-9725 |
| Document Number | 0000013959 |
|---|---|
| Date | Aug 6, 2021 |
| Instrument | 2021-013959 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALAVERAS CA |
| Property Address | 2286 CHARMSTONE WAY, COPPEROPOLIS, CA 95228-9725 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2286 CHARMSTONE WAY, COPPEROPOLIS, CA 95228-9725 |
| Document Number | 0000002299 |
|---|---|
| Date | Feb 1, 2021 |
| Instrument | 2021-002299 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CALAVERAS CA |
| Recording Date | Sep 19, 2018 |
| Property Address | 2286 CHARMSTONE WAY, COPPEROPOLIS, CA 95228-9725 |
| Document Number | 0000010603 |
| Map Reference | MB3 PG34 |
| Instrument Date | Sep 7, 2018 |
| Instrument | 2018-010603 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2021 |
| Title Company | FIRST AMERICAN TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2286 CHARMSTONE WAY, COPPEROPOLIS, CA 95228-9725 |
| Document Number | 0000010604 |
|---|---|
| Date | Sep 19, 2018 |
| Instrument | 2018-010604 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2048 |
Source: Calaveras County assessment roll, as of July 2, 2026
| Type | Name |
|---|---|
| State | California |
| County | Calaveras County |
| Secondary School District | Bret Harte Union High School District (09 - 12) |
| Elementary School District | Mark Twain Union Elementary School District (KG - 08) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $428,956 (+2%) Land $17,065 Building $411,891 | |
| 2025 | $4,859.00 (+3.08%) Homeowner's exemption | $420,546 (+4.04%) Land $16,731 Building $403,815 |
| 2023 | $4,714.00 (+3.81%) Homeowner's exemption | $404,218 Land $16,082 Building $388,136 |
| 2022 | $4,541.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective June 30, 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 | 1 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2024 · other causes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 74% of the US · above 50% of California |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Direct burnable vegetation |
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 | CCWD - COPPER COVE serves 5,187 people · EPA ID CA0510017 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 96 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| Conifer Communications Fixed Wireless | 100 / 10 |
| CALTEL Connections DSL | 75 / 10 |
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