2685 Clay St, Placerville, CA 95667 Property Records

El Dorado County property record for 2685 Clay St, Placerville, CA 95667

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,286 sqft · built 2000
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Company Names on Record
Last Sale	$465,000 (Aug 2023)
Tax Bill	$5,039 (2025)
Deeds & Mortgages	Mar 2024 Transfer Mar 2024 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`002-410-003-000`

Property Details

APN / Parcel Number

Primary APN	`002-410-003-000`
Alternative APNs	`00241003100` `0024100310`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,286 sqft Living Area
1st Floor Area	1,286 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2001
Construction Type	Wood
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Patio Area	1,286 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2685 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 10 COTTONWOOD PK SUB #1
Legal Subdivision	COTTONWOOD PK SUB #1
Legal Lot Number	10
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 September 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	2685 CLAY ST, PLACERVILLE, CA 95667-4678
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Living Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2024	Intrafamily Transfer, Transfer
Mar 11, 2024	Intrafamily Transfer, Transfer
Aug 25, 2023	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Aug 25, 2023	Grant Deed, Transfer · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2023 · Amount on Record
Deed Sale	Aug 25, 2023 · Amount on Record
Prior Sale	Aug 31, 2016 · Amount on Record
Deed Document Number	202324011
Last Transfer Date	Oct 31, 2023
Transfer Doc	0000006884
Record Updated	Oct 29, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EL DORADO CA
Recording Date	Mar 8, 2024
Property Address	2685 CLAY ST, PLACERVILLE, CA 95667-4678
Document Number	0000006745
Map Reference	MB 1 PG 39
Instrument Date	Mar 8, 2024
Instrument	2024-0006745
Transaction Type	Transfer
Record Updated	Mar 18, 2024

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 Living Trust
Address	2685 CLAY ST, PLACERVILLE, CA 95667-4678

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EL DORADO CA
Recording Date	Mar 11, 2024
Property Address	2685 CLAY ST, PLACERVILLE, CA 95667-4678
Document Number	0000006884
Map Reference	MB 1 PG 39
Instrument Date	Oct 31, 2023
Instrument	2024-0006884
Transaction Type	Transfer
Record Updated	Mar 20, 2024

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 Living Trust
Address	2685 CLAY ST, PLACERVILLE, CA 95667-4678

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	2685 CLAY ST, PLACERVILLE, CA 95667-4678
Transaction Type	Mortgage
Record Updated	Sep 5, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL CO OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2685 CLAY ST, PLACERVILLE, CA 95667-4678

Mortgage

Document Number	0000024013
Date	Aug 25, 2023
Instrument	2023-0024013

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	927 Months
Due	Nov 15, 2100

Interest

Rate Type	Adjustable Rate
Rate	7.48%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.4%

August 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Aug 25, 2023
Property Address	2685 CLAY ST, PLACERVILLE, CA 95667-4678
Document Number	0000024011
Map Reference	MB I PG 39
Instrument Date	Aug 22, 2023
Instrument	2023-0024011
Transaction Type	Transfer
Record Updated	Sep 5, 2023
Title Company	FIDELITY NATL TTL CO OF CA

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	2685 CLAY ST, PLACERVILLE, CA 95667-4678

Mortgage

Document Number	0000024012
Date	Aug 25, 2023
Instrument	2023-0024012

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	927 Months
Due	Nov 15, 2100

Interest

Rate Type	Adjustable Rate
Rate	7.48%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.4%

Tax Assessment & Valuation

Source: El Dorado County assessment roll, as of September 16, 2026

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
2026		$483,785 (+2%) Land $120,686 Building $363,099
2025	$5,039.00 (+0.66%) Homeowner's exemption	$474,300 (+35.41%) Land $118,320 Building $355,980
2024	$5,006.00 (+30.5%)
2023	$3,836.00 (+1.4%)	$350,267 Land $122,704 Building $227,563
2022	$3,783.00

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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