2863 Cardinal Dr, Lincoln, CA 95648 Property Records

Placer County property record for 2863 Cardinal Dr, Lincoln, CA 95648

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,643 sqft · built 2003
Lot Size	0.24 acres (10,441 sqft)
Owner	Individual Name on File
Last Sale	$760,000 (Apr 2022)
Tax Bill	$9,639 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`329-062-008-000`

Property Details

APN / Parcel Number

Primary APN	`329-062-008-000`
Alternative APN	`329-062-008`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,643 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Contemporary
Construction Type	Frame
Lot Area	10,441 sqft (0.24 acres)
Garage Area	416 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	329-062-008
Street Address	2863 CARDINAL DR
City	LINCOLN
State	CA
Zip	95648-8281
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 24 TWELVE BRIDGES VILLAGE 6 UNIT 1 MOR Y-008
Legal Subdivision	TWELVE BRIDGES VILL
Legal Lot Number	24
Jurisdiction	PLACER CA
Township / Civil Division	LINCOLN
Census Block Group	1
Census Block	1012
Census Tract	23502

Owner

2863 Cardinal Dr is owned and occupied by an individual who bought it in April 2022.

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

Owner of Record	Individual Name on File
Mailing Address	2863 CARDINAL DR, LINCOLN, CA 95648-8281
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	Grant Deed, Transfer · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB
May 10, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage LADERA LENDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2022 · Amount on File
Deed Sale	Apr 4, 2022 · Amount on File
Prior Sale	Oct 25, 2016 · Amount on File
Deed Document Number	202229277
Prior Transfer Date	May 3, 2021
Prior Transfer Doc	0000062971
Record Updated	Oct 29, 2026

April 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PLACER CA
Recording Date	Apr 4, 2022
Property Address	2863 CARDINAL DR, LINCOLN, CA 95648-8281
Document Number	0000029277
Map Reference	MB Y PG 8
Instrument Date	Mar 31, 2022
Instrument	2022-0029277
Transaction Type	Transfer
Record Updated	Apr 15, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL CO OF CA

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	2863 CARDINAL DR, LINCOLN, CA 95648-8281

Mortgage

Document Number	0000029278
Date	Apr 4, 2022
Instrument	2022-0029278

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PLACER CA
Recording Date	May 10, 2021
Property Address	2863 CARDINAL DR, LINCOLN, CA 95648-8281
Document Number	0000062971
Map Reference	MB Y PG 8
Instrument Date	May 3, 2021
Instrument	2021-0062971
Transaction Type	Transfer
Record Updated	May 25, 2021
Title Company	UNISOURCE

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	Joint Tenants
Address	2863 CARDINAL DR, LINCOLN, CA 95648-8281

Mortgage

Document Number	0000062972
Date	May 10, 2021
Instrument	2021-0062972

Lender

Name	LADERA LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2863 Cardinal Dr was $9,639 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		$822,646 (+2%) Land $178,600 Building $644,046
2025	$9,639.00 Homeowner's exemption	$806,517 Land $175,099 Building $631,418
2023	$9,843.00 (+44.05%) Homeowner's exemption	$775,200 Land $168,300 Building $606,900
2022	$6,833.00

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

Flood

FEMA maps place 2863 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 2863 Cardinal Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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 575 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Cal.net, DigitalPath, Verizon.

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