2681 Clay St, Placerville, CA 95667 Property Records

El Dorado County property record for 2681 Clay St, Placerville, CA 95667

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,755 sqft · built 2001
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Aug 2023)
Tax Bill	$5,413 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Aug 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`002-410-004-000`

Property Details

APN / Parcel Number

Primary APN	`002-410-004-000`
Alternative APNs	`00241004100` `0024100410`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,755 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2002
Construction Type	Wood
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Patio Area	1,755 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2681 CLAY ST
City	PLACERVILLE
State	CA
Zip	95667-4678
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R106
Legal Description	L 11 COTTONWOOD PK SUB #1
Legal Subdivision	COTTONWOOD PK SUB #1
Legal Lot Number	11
Jurisdiction	EL DORADO CA
Township / Civil Division	PLACERVILLE
Census Block Group	1
Census Block	1013
Census Tract	31100

Owner

Source: El Dorado County records, as of June 12, 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	2681 CLAY ST, PLACERVILLE, CA 95667-4678
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 1, 2023	Grant Deed, Transfer · Conventional Mortgage NEXA MORTGAGE LLC
Nov 19, 2020	Deed of Trust, Mortgage · VA Mortgage GUILD MORTGAGE COMPANY LLC
Sep 28, 2017	Grant Deed, Transfer · VA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2023 · Amount on Record
Deed Sale	Aug 1, 2023 · Amount on Record
Prior Sale	Sep 28, 2017 · Amount on Record
Deed Document Number	202321437
Prior Transfer Date	Sep 25, 2013
Prior Transfer Doc	0000056547
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Recording Date	Jun 8, 2026
Property Address	2681 CLAY ST, PLACERVILLE, CA 95667-4678
Document Number	0000018517
Instrument Date	Jun 1, 2026
Instrument	202618517
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2681 CLAY ST, PLACERVILLE, CA 95667-4678

Mortgage

Document Number	0000018517,
Date	Jun 8, 2026
Instrument	202618517

Lender

Name	ROCKET MORTGAGE LLC

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Aug 1, 2023
Property Address	2681 CLAY ST, PLACERVILLE, CA 95667-4678
Document Number	0000021437
Map Reference	MB I PG 39
Instrument Date	Jul 18, 2023
Instrument	2023-0021437
Transaction Type	Transfer
Record Updated	Aug 11, 2023
Title Company	NOT AVAILABLE, INTER CNTY TTL CO OF EL DORA

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
Relationship	Community Property with Right of Survivorship
Address	2681 CLAY ST, PLACERVILLE, CA 95667-4678

Mortgage

Document Number	0000021438
Date	Aug 1, 2023
Instrument	2023-0021438

Lender

Name	NEXA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	2681 CLAY ST, PLACERVILLE, CA 95667-4678
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF SACRAMENTO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2681 CLAY ST, PLACERVILLE, CA 95667-4678

Mortgage

Document Number	0000066937
Date	Nov 19, 2020
Instrument	2020-0066937

Lender

Name	GUILD MORTGAGE COMPANY LLC
Type	Non-Lending Institution
Address	SAN DIEGO, CA 92111

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Sep 28, 2017
Property Address	2681 CLAY ST, PLACERVILLE, CA 95667-4678
Document Number	0000043448
Map Reference	MB I PG 39
Instrument Date	Sep 22, 2017
Instrument	2017-0043448
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	FIRST AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants
Address	2681 CLAY ST, PLACERVILLE, CA 95667-4678

Mortgage

Document Number	0000043449
Date	Sep 28, 2017
Instrument	2017-0043449

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

Source: El Dorado County assessment roll, as of August 18, 2025

Property Jurisdictions

Type	Name
State	California
County	El Dorado County
Municipality	Placerville City
Secondary School District	El Dorado Union High School District (09 - 12)
Elementary School District	Placerville Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$5,413.00 (+2.15%) Homeowner's exemption	$510,000 (+23.04%) Land $127,500 Building $382,500
2024	$5,299.00 (+17.42%)
2023	$4,513.00 (+1.42%)	$414,487 Land $136,704 Building $277,783
2022	$4,450.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 25, 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	2 (1980–1997)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jan 1997 · Severe Storms, Flooding, Mud And Landslides

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	High above 70% of the US · above 45% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	PLACERVILLE, CITY OF - MAIN serves 9,224 people · EPA ID CA0910003
Water Source	Purchased surface water from EL DORADO ID - MAIN
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2024–2026) 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 231 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, GeoLinks.

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