320 Clay St, Nevada City, CA 95959 Property Records

Nevada County property record for 320 Clay St, Nevada City, CA 95959

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,151 sqft · built 1880
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Company Names on Record
Last Sale	$160,000 (Jun 1998)
Tax Bill	$2,642 (2025)
Deeds & Mortgages	Dec 2025 Transfer Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`005-450-041-000`

Property Details

APN / Parcel Number

Primary APN	`005-450-041-000`
Alternative APN	`05-450-41-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,151 sqft Living Area
1st Floor Area	1,151 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1950
Architectural Style	Traditional
Lot Area	12,197 sqft (0.28 acres)
Terrain	Below Road/Slope
View / Lot	Average
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Patio Area	300 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected
Water Source	Commercial

Location & Zoning

Old Parcel Number	05-450-41-000
Street Address	320 CLAY ST
City	NEVADA CITY
State	CA
Zip	95959-2818
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PTN LOTS 2 & 3 BLK 54 NC
Legal Subdivision	NEVADA CITY
Legal Block	54
Legal Lot Number	2,3
Jurisdiction	NEVADA CA
Township / Civil Division	NEVADA CITY
Census Block Group	2
Census Block	2040
Census Tract	802

Owner

Source: Nevada County records, as of July 7, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	320 CLAY ST, NEVADA CITY, CA 95959-2818
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2025	Intrafamily Transfer, Transfer
Dec 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHERN SIERRA FINANCIAL SERVICES NORTHERN SIERRA FINANCIAL SERVICES
Jan 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 1998 · Amount on Record
Deed Sale	Jun 12, 1998 · Amount on Record
Prior Sale	Apr 28, 1998 · Amount on Record
Deed Document Number	199818366
Last Transfer Date	Nov 3, 2002
Transfer Doc	0000046451
Record Updated	Oct 29, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NEVADA CA
Recording Date	Dec 3, 2025
Property Address	320 CLAY ST, NEVADA CITY, CA 95959-2818
Document Number	0000018917
Map Reference	MB 126 PG 159
Instrument Date	Dec 1, 2025
Instrument	20250018917
Transaction Type	Transfer
Record Updated	Dec 18, 2025

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	Living Trust
Address	320 CLAY ST, NEVADA CITY, CA 95959-2818

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEVADA CA
Property Address	320 CLAY ST, NEVADA CITY, CA 95959-2818
Document Number	0000034278
Instrument Date	Dec 4, 2020
Transaction Type	Mortgage
Record Updated	Dec 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 CLAY ST NEVADA CITY CA 959592818, NEVADA CITY, CA 95959-2818

Mortgage

Document Number	0000034278
Date	Dec 9, 2020
Instrument	34278

Lender

Name	NORTHERN SIERRA FINANCIAL SERVICES NORTHERN SIERRA FINANCIAL SERVICES
Type	Bank
Address	GRASS VALLEY, CA 95945

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 8, 2050

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEVADA CA
Property Address	320 CLAY ST, NEVADA CITY, CA 95959-2818
Document Number	0000003059
Instrument Date	Jan 31, 2017
Transaction Type	Mortgage
Record Updated	Mar 6, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11024 MERRILL CT NEVADA CITY CA 959593479, NEVADA CITY, CA 95959-3479

Mortgage

Document Number	0000003059
Date	Feb 7, 2017
Instrument	3059

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 6, 2047

Tax Assessment & Valuation

Source: Nevada County assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	California
County	Nevada County
Municipality	Nevada City
Elementary School District	Nevada City Elementary School District (KG - 08)
Secondary School District	Nevada Joint Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$260,558 (+2%) Land $105,849 Building $154,709
2025	$2,642.00 (+4.14%) Homeowner's exemption	$255,450 (+4.04%) Land $103,774 Building $151,676
2023	$2,537.00 (+2.13%) Homeowner's exemption	$245,533 Land $99,746 Building $145,787	$565,920
2022	$2,484.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 20, 2024 · 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
Nearby Flood Claims	7 (1982–2017)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Feb 2017 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 4 claims

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	High above 70% of the US · above 45% of California
Wildfire Likelihood	0.3% 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 NEVADA CITY serves 3,148 people · EPA ID CA2910002
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Jan 2023
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 260 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
SmarterBroadband Fixed Wireless	100 / 25

May also be available: GeoLinks.

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