2383 Independence Rd, Rail Road Flat, CA 95248 Property Records

Calaveras County property record for 2383 Independence Rd, Rail Road Flat, CA 95248

Property Summary

Property Type	Ranch
Details	3 bd · 2.5 ba · 3,368 sqft · built 2006
Lot Size	5.23 acres (228,254 sqft)
Owner	Individual Name on Record
Last Sale	$472,000 (May 2026)
Tax Bill	$5,651 (2025)
Deeds & Mortgages	May 2026 Sale May 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`012-010-093-000`

Property Details

APN / Parcel Number

Primary APN	`012-010-093-000`
Alternative APN	`012-010-093`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,368 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Wood
Lot Area	228,254 sqft
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	012-010-093
Street Address	2383 INDEPENDENCE RD
City	RAIL ROAD FLAT
State	CA
Zip	95248-1040
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Ranch
Local Zoning Code	RA20
Legal Description	PCL 1 OF PM 11-14 IN 22 T6R13
Legal Subdivision	AS SHOWN ON THAT CERTAIN PARCEL MAP
Jurisdiction	CALAVERAS CA
Township / Civil Division	ARNOLD-WEST POINT
Census Block Group	6
Census Block	6011
Census Tract	400

Owner

Source: Calaveras County records, as of July 16, 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 Record
Mailing Address	7950 WHITEHURST RD, GILROY, CA 95020-8825
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
May 15, 2026	Grant Deed, Transfer FIRST AMERICAN TITLE
May 15, 2026	Grant Deed, Transfer · Conventional Mortgage OCMBC INC
May 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage PROSPECT HOME FINANCE
Dec 31, 2018	Grant Deed, Transfer FIRST AMERICAN TITLE
Mar 9, 2018	Deed of Trust, Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2026 · Amount on Record
Deed Sale	May 15, 2026 · Amount on Record
Prior Sale	Jul 1, 2005 · Amount on Record
Deed Document Number	20264190
Prior Transfer Date	Jun 27, 2005
Prior Transfer Doc	0000014683
Record Updated	Oct 29, 2026

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALAVERAS CA
Recording Date	May 15, 2026
Property Address	2383 INDEPENDENCE RD, RAIL ROAD FLAT, CA 95248-1040
Document Number	0000004189
Instrument Date	May 8, 2026
Instrument	20264189
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	7950 WHITEHURST RD, GILROY, CA 95020-8825

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALAVERAS CA
Recording Date	May 15, 2026
Property Address	2383 INDEPENDENCE RD, RAIL ROAD FLAT, CA 95248-1040
Document Number	0000004190
Instrument Date	Mar 18, 2026
Instrument	20264190
Transaction Type	Transfer
Record Updated	Jul 16, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$52,439.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	7950 WHITEHURST RD, GILROY, CA 95020-8825

Mortgage

Document Number	0000004191,
Date	May 15, 2026
Instrument	20264191

Lender

Name	OCMBC INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALAVERAS CA
Property Address	2383 INDEPENDENCE RD, RAIL ROAD FLAT, CA 95248-1040
Transaction Type	Mortgage
Record Updated	Jul 19, 2022
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2383 INDEPENDENCE RD, RAIL ROAD FLAT, CA 95248-1040

Mortgage

Document Number	0000009363
Date	May 20, 2021
Instrument	2021-009363

Lender

Name	PROSPECT HOME FINANCE
Type	Non-Lending Institution
Address	SAN DIEGO, CA 92109

Agreement

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

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALAVERAS CA
Recording Date	Dec 31, 2018
Property Address	2383 INDEPENDENCE RD, RAIL ROAD FLAT, CA 95248-1040
Document Number	0000014317
Instrument Date	Dec 21, 2018
Instrument	14317
Transaction Type	Transfer
Record Updated	Nov 19, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$11.00
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	205 E PLACITA DEL IRIS GREEN VALLEY AZ 856143627, GREEN VALLEY, AZ 85614-3627

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALAVERAS CA
Property Address	2383 INDEPENDENCE RD, RAIL ROAD FLAT, CA 95248-1040
Document Number	0000002649
Instrument Date	Mar 9, 2018
Transaction Type	Mortgage
Record Updated	Apr 4, 2018
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 299 RAIL ROAD FLAT CA 952480299, RAIL ROAD FLAT, CA 95248-0299

Mortgage

Document Number	0000002649
Date	Mar 15, 2018
Instrument	2649

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 14, 2048

Tax Assessment & Valuation

Source: Calaveras County assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	California
County	Calaveras County
Unified School District	Calaveras Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$500,000 (-20.63%) Land $66,000 Building $434,000
2025	$5,651.00 (-21.09%) Homeowner's exemption	$630,000 (+8.81%) Land $50,000 Building $580,000
2023	$7,161.00 (+9.81%) Homeowner's exemption	$579,000 Land $50,000 Building $529,000
2022	$6,521.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 30, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Extreme above 96% of the US · above 84% of California
Wildfire Likelihood	2% annual chance
Exposure	Direct burnable vegetation

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Volcano Vision DSL	50 / 5

Cell Coverage

5G (outdoors only) and 4G LTE

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