3165 Ray Cir, Auburn, CA 95602 Property Records

Placer County property record for 3165 Ray Cir, Auburn, CA 95602

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,422 sqft · built 1979
Lot Size	1.91 acres (83,635 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,000 (Apr 2026)
Tax Bill	$5,051 (2025)
Deeds & Mortgages	Apr 2023 Second Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`076-264-009-000`

Property Details

APN / Parcel Number

Primary APN	`076-264-009-000`
Alternative APN	`076-264-009`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,422 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Colonial
Construction Type	Frame
Lot Area	83,635 sqft
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	076-264-009
Street Address	3165 RAY CIR
City	AUBURN
State	CA
Zip	95602-9613
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSAGB10
Legal Description	1.92 AC LOT 28 CHRISTIAN VALLEY PARK #4 MOR H-24
Legal Subdivision	CHRISTIAN VALLEY PARK
Legal Lot Number	28
Jurisdiction	PLACER CA
Township / Civil Division	AUBURN
Census Block Group	1
Census Block	1006
Census Tract	21801

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	3165 RAY CIR, AUBURN, CA 95602-9613
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SIERRA CENTRAL CU
Apr 8, 2026	Grant Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
Apr 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC
Jan 6, 2017	Quit Claim Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2026 · Amount on Record
Deed Sale	Apr 8, 2026 · Amount on Record
Prior Sale	Oct 10, 2014 · Amount on Record
Deed Document Number	202619875
Prior Transfer Date	Dec 29, 2016
Prior Transfer Doc	0000000928
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	3165 RAY CIR, AUBURN, CA 95602-9613
Transaction Type	Mortgage
Record Updated	Apr 22, 2026
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3165 RAY CIR, AUBURN, CA 95602-9613

Mortgage

Document Number	0000019721
Date	Apr 17, 2023
Instrument	2023-0019721

Lender

Name	SIERRA CENTRAL CU
Type	Credit Union
Address	YUBA CITY, CA 95993

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2038

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PLACER CA
Recording Date	Apr 8, 2026
Property Address	3165 RAY CIR, AUBURN, CA 95602-9613
Document Number	0000019875
Instrument Date	Apr 6, 2026
Instrument	202619875
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	STEWART TITLE/NW FLORIDA, STEWART TITLE OF CALIFORNIA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$72,215.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3165 RAY CIR, AUBURN, CA 95602-9613

Mortgage

Document Number	0000019876,
Date	Apr 8, 2026
Instrument	202619876

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	3165 RAY CIR, AUBURN, CA 95602-9613
Document Number	0000037975
Instrument Date	Apr 20, 2020
Transaction Type	Mortgage
Record Updated	May 15, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3165 RAY CIR AUBURN CA 956029613, AUBURN, CA 95602-9613

Mortgage

Document Number	0000037975
Date	Apr 27, 2020
Instrument	37975

Lender

Name	PENNYMAC
Address	MOUNTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 26, 2050

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PLACER CA
Recording Date	Jan 6, 2017
Property Address	3165 RAY CIR, AUBURN, CA 95602-9613
Document Number	0000000928
Instrument Date	Dec 29, 2016
Instrument	928
Transaction Type	Transfer
Record Updated	Jan 20, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3165 RAY CIR AUBURN CA 956029613, AUBURN, CA 95602-9613

Mortgage

Document Number	929,
Date	Jan 6, 2017
Instrument	929

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Placer County
Elementary School District	Placer Hills Union Elementary School District (KG - 08)
Secondary School District	Placer Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$514,864 (+2%) Land $122,584 Building $392,280
2025	$5,051.00 (-0.69%) Homeowner's exemption	$504,770 (+4.04%) Land $120,181 Building $384,589
2024	$5,086.00 (+1.52%)
2023	$5,010.00 (+1.83%) Homeowner's exemption	$485,171 Land $115,515 Building $369,656
2022	$4,920.00

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

Flood

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 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

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

Wildfire Risk	Moderate above 64% of the US · lower than 60% 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	CHRISTIAN VALLEY PARK CSD serves 1,800 people · EPA ID CA3110034
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	2 ppb (2021–2023) 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 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Fiber	1,500 / 1,500
Optimum Cable	500 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: SmarterBroadband, Verizon.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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