248 Saddlehorn Loop, Lincoln, CA 95648 Property Records

Placer County property record for 248 Saddlehorn Loop, Lincoln, CA 95648

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,148 sqft · built 2003
Lot Size	0.147 acres (6,399 sqft)
Owner	2 Individual Names on Record
Last Sale	$483,500 (Jan 2026)
Tax Bill	$5,532 (2025)
Deeds & Mortgages	Jan 2026 Sale Oct 2025 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`338-110-020-000`

Property Details

APN / Parcel Number

Primary APN	`338-110-020-000`
Alternative APN	`338-110-020`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,148 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Construction Type	Frame
Lot Area	6,399 sqft (0.147 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	338-110-020
Street Address	248 SADDLEHORN LOOP
City	LINCOLN
State	CA
Zip	95648-8382
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 40 SUN CITY LINCOLN HILLS VILLAGE 5A MOR Y-42
Legal Subdivision	SUN CITY LINCOLN HILLS
Legal Lot Number	40
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	345 MAIDU DR, CHESTER, CA 96020-9725
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2026	Grant Deed, Transfer CHICAGO TITLE COMPANY
Oct 6, 2025	Deed of Trust, Mortgage · Commercial Mortgage CRAIG HARRISON
Oct 6, 2023	Grant Deed, Transfer FIRST NATIONAL TITLE COMPANY, FIRST NATIONAL TTL CO OF CA
Mar 7, 2023	Intrafamily Transfer, Transfer
Apr 27, 2021	Deed of Trust, Mortgage · Line of Credit AMERICAN AIRLINES FCU
Sep 7, 2021	Deed of Trust, Mortgage · Line of Credit FINANCE OF AMERICA MORTGAGE LLC
Sep 23, 2020	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2026 · Amount on Record
Deed Sale	Jan 13, 2026 · Amount on Record
Prior Sale	Oct 6, 2023 · Amount on Record
Deed Document Number	20261710
Prior Transfer Date	Mar 6, 2023
Prior Transfer Doc	0000010697
Record Updated	Oct 29, 2026

January 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PLACER CA
Recording Date	Jan 13, 2026
Property Address	248 SADDLEHORN LOOP, LINCOLN, CA 95648-8382
Document Number	0000001710
Map Reference	MB Y PG 42
Instrument Date	Dec 9, 2025
Instrument	2026-0001710
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Relationship	Community Property with Right of Survivorship
Address	345 MAIDU DR, CHESTER, CA 96020-9725

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	248 SADDLEHORN LOOP, LINCOLN, CA 95648-8382
Transaction Type	Mortgage
Record Updated	Oct 21, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE CO OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1728 LEANDER LN, LINCOLN, CA 95648-8646

Mortgage

Document Number	0000054436
Date	Oct 6, 2025
Instrument	2025-0054436

Lender

Name	CRAIG HARRISON
Type	Private Party
Address	PO BOX 21, LINCOLN, CA 95648

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PLACER CA
Recording Date	Oct 6, 2023
Property Address	248 SADDLEHORN LOOP, LINCOLN, CA 95648-8382
Document Number	0000053455
Map Reference	MB Y PG 42
Instrument Date	Sep 21, 2023
Instrument	2023-0053455
Transaction Type	Transfer
Record Updated	Oct 19, 2023
Title Company	FIRST NATIONAL TITLE COMPANY, FIRST NATIONAL TTL CO OF CA

Transaction

Amount	Amount Recorded
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
Relationship	Family Trust
Address	248 SADDLEHORN LOOP, LINCOLN, CA 95648-8382

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PLACER CA
Recording Date	Mar 7, 2023
Property Address	248 SADDLEHORN LOOP, LINCOLN, CA 95648-8382
Document Number	0000010697
Map Reference	MB Y PG 42
Instrument Date	Mar 6, 2023
Instrument	2023-0010697
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	Revocable Trust
Address	248 SADDLEHORN LOOP, LINCOLN, CA 95648-8382

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	248 SADDLEHORN LOOP, LINCOLN, CA 95648-8382
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	248 SADDLEHORN LOOP, LINCOLN, CA 95648-8382

Mortgage

Document Number	0000057261
Date	Apr 27, 2021
Instrument	2021-0057261

Lender

Name	AMERICAN AIRLINES FCU
Type	Credit Union
Address	FORT WORTH, TX 76155

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	248 SADDLEHORN LOOP, LINCOLN, CA 95648-8382
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	248 SADDLEHORN LOOP, LINCOLN, CA 95648-8382

Mortgage

Document Number	0000112619
Date	Sep 7, 2021
Instrument	2021-0112619

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	GRASS VALLEY, CA 95945

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	882 Months
Due	Mar 4, 2095

Interest

Rate Type	Fixed Rate

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PLACER CA
Recording Date	Sep 23, 2020
Property Address	248 SADDLEHORN LOOP, LINCOLN, CA 95648-8382
Document Number	0000105363
Map Reference	PG 42
Instrument Date	Sep 1, 2020
Instrument	2020-0105363
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	FIDELITY NATL TTL CO OF CA

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	248 SADDLEHORN LOOP, LINCOLN, CA 95648-8382

Mortgage

Document Number	0000105364
Date	Sep 23, 2020
Instrument	2020-0105364

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

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		$541,008 (+2%) Land $208,080 Building $332,928
2025	$5,532.00 (+15.71%) Homeowner's exemption	$530,400 (+25.88%) Land $204,000 Building $326,400
2023	$4,781.00 (+1.4%) Homeowner's exemption	$421,362 Land $145,656 Building $275,706
2022	$4,715.00

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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