2815 Cardinal Dr, Lincoln, CA 95648 Property Records

Placer County property record for 2815 Cardinal Dr, Lincoln, CA 95648

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,277 sqft · built 2004
Lot Size	0.124 acres (5,406 sqft)
Owner	2 Individual Names on File
Last Sale	$645,000 (Oct 2024)
Tax Bill	$7,959 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Mar 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`329-061-013-000`

Property Details

APN / Parcel Number

Primary APN	`329-061-013-000`
Alternative APN	`329-061-013`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,277 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Cape Cod
Construction Type	Frame
Lot Area	5,406 sqft (0.124 acres)
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	329-061-013
Street Address	2815 CARDINAL DR
City	LINCOLN
State	CA
Zip	95648-8273
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 TWELVE BRIDGES VILLAGE 6 UNIT 1 MOR Y-8
Legal Subdivision	TWELVE BRIDGES VILL
Legal Lot Number	13
Jurisdiction	PLACER CA
Township / Civil Division	LINCOLN
Census Block Group	1
Census Block	1014
Census Tract	23502

Owner

2815 Cardinal Dr is owned and occupied by two individuals who bought it in October 2024.

Source: Placer County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2815 CARDINAL DR, LINCOLN, CA 95648-8273
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOW VA RATES LLC
Mar 29, 2017	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF KANSAS CITY
Feb 3, 2020	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Nov 30, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage NATIONAL BANK OF KANSAS CITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2024 · Amount on File
Deed Sale	Oct 30, 2024 · Amount on File
Prior Sale	Jun 23, 2014 · Amount on File
Deed Document Number	202457876
Prior Transfer Date	Sep 21, 2020
Prior Transfer Doc	0000139296
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	2815 CARDINAL DR, LINCOLN, CA 95648-8273
Transaction Type	Mortgage
Record Updated	Apr 15, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2815 CARDINAL DR, LINCOLN, CA 95648-8273

Mortgage

Document Number	0000028736
Date	Apr 4, 2022
Instrument	2022-0028736

Lender

Name	LOW VA RATES LLC
Type	Mortgage Company
Address	KANSAS CITY, MO 64114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	2815 CARDINAL DR, LINCOLN, CA 95648-8273
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023251
Date	Mar 29, 2017
Instrument	2017-0023251

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank
Address	LEAWOOD, KS 66211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	2815 CARDINAL DR, LINCOLN, CA 95648-8273
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009377
Date	Feb 3, 2020
Instrument	2020-0009377

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Feb 2, 2035

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PLACER CA
Recording Date	Nov 30, 2020
Property Address	2815 CARDINAL DR, LINCOLN, CA 95648-8273
Document Number	0000139296
Map Reference	MB Y PG 8
Instrument Date	Sep 21, 2020
Instrument	2020-0139296
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	SOLIDIFI TITLE & CLOSING

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
Address	2815 CARDINAL DR, LINCOLN, CA 95648-8273

Mortgage

Document Number	0000139297
Date	Nov 30, 2020
Instrument	2020-0139297

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2815 Cardinal Dr was $7,959 with a homeowner's exemption.

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		$657,900 (+2%) Land $183,600 Building $474,300
2025	$7,959.00 Homeowner's exemption	$645,000 Land $180,000 Building $465,000
2023	$6,006.00 (+1.09%) Homeowner's exemption	$412,383 Land $88,365 Building $324,018
2022	$5,941.00

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

Flood

FEMA maps place 2815 Cardinal Dr in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 2815 Cardinal Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 81% of California
Wildfire Likelihood	0.02% 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
AT&T DSL	100 / 20

May also be available: Cal.net.

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