2822 Whispering Creek Loop, Rocklin, CA 95765 Property Records

Placer County property record for 2822 Whispering Creek Loop, Rocklin, CA 95765

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,241 sqft · built 2016
Lot Size	0.192 acres (8,383 sqft)
Owner	Individual Name on File
Last Sale	$840,000 (Nov 2019)
Tax Bill	$13,458 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jul 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`497-060-016-000`

Property Details

APN / Parcel Number

Primary APN	`497-060-016-000`
Alternative APN	`497-060-016`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Building Area	3,241 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Construction Type	Wood
Lot Area	8,383 sqft (0.192 acres)
Garage Area	932 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	497-060-016
Street Address	2822 WHISPERING CREEK LOOP
City	ROCKLIN
State	CA
Zip	95765-6288
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 64 WHITNEY RANCH PH II-B UNIT 47AB MOR DD-22
Legal Subdivision	WHITNEY RANCH
Legal Lot Number	64
Jurisdiction	PLACER CA
Township / Civil Division	LINCOLN
Census Block Group	1
Census Block	1000
Census Tract	21323

Owner

2822 Whispering Creek Loop is owned and occupied by an individual who bought it in November 2019.

Source: Placer County records, as of July 13, 2026

Owner of Record	Individual Name on File
Mailing Address	2822 WHISPERING CREEK LOOP, ROCKLIN, CA 95765-6288
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage YOLO FEDERAL CREDIT UNION
Jul 15, 2022	Deed of Trust, Mortgage · Line of Credit PACIFIC SERVICE CU
Dec 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 3, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 13, 2019	Grant Deed, Subdivision Related Transfer · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2019 · Amount on File
Deed Sale	Nov 13, 2019 · Amount on File
Deed Document Number	201991031
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Recording Date	Aug 27, 2026
Property Address	2822 WHISPERING CREEK LOOP, ROCKLIN, CA 95765-6288
Document Number	0000049530
Instrument Date	Aug 22, 2026
Instrument	202649530
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	PLACER TITLE ER, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205

Mortgage

Document Number	0000049530,
Date	Aug 27, 2026
Instrument	202649530

Lender

Name	YOLO FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 15, 2046

Interest

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

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	2822 WHISPERING CREEK LOOP, ROCKLIN, CA 95765-6288
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	CHICAGO TITLE INLAND EMPIRE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2822 WHISPERING CREEK LOOP, ROCKLIN, CA 95765-6288

Mortgage

Document Number	0000057535
Date	Jul 15, 2022
Instrument	2022-0057535

Lender

Name	PACIFIC SERVICE CU
Type	Credit Union
Address	CONCORD, CA 94520

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	2822 WHISPERING CREEK LOOP, ROCKLIN, CA 95765-6288
Transaction Type	Mortgage
Record Updated	Dec 16, 2021
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2822 WHISPERING CREEK LOOP, ROCKLIN, CA 95765-6288

Mortgage

Document Number	0000148032
Date	Dec 6, 2021
Instrument	2021-0148032

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	2822 WHISPERING CREEK LOOP, ROCKLIN, CA 95765-6288
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000079955
Date	Aug 3, 2020
Instrument	2020-0079955

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

November 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	PLACER CA
Recording Date	Nov 13, 2019
Property Address	2822 WHISPERING CREEK LOOP, ROCKLIN, CA 95765-6288
Document Number	0000091031
Map Reference	MB DD PG 22
Instrument Date	Oct 30, 2019
Instrument	2019-0091031
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 7, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
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	Joint Tenants
Address	2822 WHISPERING CREEK LOOP, ROCKLIN, CA 95765-6288

Mortgage

Document Number	0000091032
Date	Nov 13, 2019
Instrument	2019-0091032

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2822 Whispering Creek Loop was $13,458.

Source: Placer County assessment roll, as of July 13, 2026

Property Jurisdictions

Type	Name
State	California
County	Placer County
Municipality	Rocklin City
Unified School District	Rocklin Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$905,924 (+2%) Land $223,101 Building $682,823
2025	$13,458.00	$888,162 Land $218,727 Building $669,435
2023	$13,111.00 (+2.16%)	$853,676 Land $210,235 Building $643,441
2022	$12,834.00

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

Flood

FEMA maps place 2822 Whispering Creek Loop 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	4 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 2822 Whispering Creek Loop is moderate, ranking above 62% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 62% of the US · lower than 62% of California
Wildfire Likelihood	0.1% 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	PLACER CWA - FOOTHILL serves 93,417 people · EPA ID CA3110025
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2023–2025) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 430 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fixed Wireless	300 / 20
DigitalPath Fixed Wireless	200 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: Zeta Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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