2845 Ruth Ct, Cameron Park (Shingle Springs), CA 95682 Property Records

El Dorado County property record for 2845 Ruth Ct, Cameron Park, CA 95682

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,562 sqft · built 1987
Lot Size	0.61 acres (26,572 sqft)
Owner	2 Individual Names on File
Last Sale	$345,000 (Aug 2002)
Tax Bill	$12,453 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Feb 2018 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`116-061-010-000`

Property Details

APN / Parcel Number

Primary APN	`116-061-010-000`
Alternative APNs	`11606110100` `1160611010`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,562 sqft Living Area
1st Floor Area	2,562 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Wood
Lot Area	26,572 sqft (0.61 acres)
Garage Area	765 sqft
Parking Spaces	3 Parking Spaces
Patio Area	2,298 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2845 RUTH CT
City	CAMERON PARK
State	CA
Zip	95682-9259
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20K
Legal Description	L 37 ROYAL HGHLND 1
Legal Subdivision	ROYAL HGHLND 1
Legal Lot Number	37
Jurisdiction	EL DORADO CA
Township / Civil Division	SOUTH EL DORADO
Census Block Group	3
Census Block	3002
Census Tract	30810

Owner

2845 Ruth Ct is owned and occupied by two individuals who bought it in August 2002.

Source: El Dorado County records, as of September 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2845 RUTH CT, CAMERON PARK, CA 95682-9259
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
Sep 4, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 5, 2018	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 24, 2017	Deed of Trust, Mortgage · VA Mortgage LEADING MORTGAGE SOLUTIONS INC LEADING MORTGAGE SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2002 · Amount on File
Deed Sale	Aug 7, 2002 · Amount on File
Prior Sale	Aug 4, 1995 · Amount on File
Deed Document Number	200258182
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	2845 RUTH CT, CAMERON PARK, CA 95682-9259
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2845 RUTH CT, CAMERON PARK, CA 95682-9259

Mortgage

Document Number	0000047256
Date	Sep 4, 2020
Instrument	2020-0047256

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	330 Months
Due	Mar 1, 2048

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	2845 RUTH CT, CAMERON PARK, CA 95682-9259
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004153
Date	Feb 5, 2018
Instrument	2018-0004153

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2048

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	2845 RUTH CT, CAMERON PARK, CA 95682-9259
Document Number	0000012651
Instrument Date	Mar 24, 2017
Transaction Type	Mortgage
Record Updated	Jun 11, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2845 RUTH CT CAMERON PARK CA 956829259, CAMERON PARK, CA 95682-9259

Mortgage

Document Number	0000012651
Date	Mar 30, 2017
Instrument	12651

Lender

Name	LEADING MORTGAGE SOLUTIONS INC LEADING MORTGAGE SOLUTIONS INC
Type	Bank
Address	SAN DIEGO, CA 92108

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 29, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2845 Ruth Ct was $12,453 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$552,698 (+2%) Land $118,169 Building $434,529
2025	$12,453.00 Homeowner's exemption	$541,861 Land $115,852 Building $426,009
2023	$12,219.00 (+120.96%) Homeowner's exemption	$520,821 Land $111,354 Building $409,467
2022	$5,530.00

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

Flood

FEMA maps place 2845 Ruth Ct in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 25, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	5 (2019–2026)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Feb 2026 · rainfall accumulation

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 2845 Ruth Ct is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of California
Wildfire Likelihood	0.03% 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	EL DORADO ID - MAIN serves 128,408 people · EPA ID CA0910001
Water Source	Surface water
Last State Inspection	Feb 2025
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. 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 256 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Zeta Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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