321 Clay St, Nevada City, CA 95959 Property Records

Nevada County property record for 321 Clay St, Nevada City, CA 95959

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,856 sqft · built 1890
Lot Size	0.6 acres (26,136 sqft)
Owner	Individual Name on Record
Last Sale	$950,000 (Sep 2023)
Tax Bill	$10,401 (2025)
Deeds & Mortgages	Sep 2023 Sale Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`005-460-002-000`

Property Details

APN / Parcel Number

Primary APN	`005-460-002-000`
Alternative APN	`05-460-02-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,856 sqft Living Area
1st Floor Area	1,416 sqft
2nd Floor Area	440 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 2000
Architectural Style	Traditional
Lot Area	26,136 sqft (0.6 acres)
Terrain	Below Road/Slope
View / Lot	Average
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Patio Area	500 sqft
Guest House	626 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Oil
Sewer	Connected
Water Source	Commercial

Location & Zoning

Old Parcel Number	05-460-02-000
Street Address	321 CLAY ST
City	NEVADA CITY
State	CA
Zip	95959-2817
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PTN LOT 2 BLK 58 NC
Legal Subdivision	NEVADA CITY
Legal Block	58
Legal Lot Number	2
Jurisdiction	NEVADA CA
Township / Civil Division	NEVADA CITY
Census Block Group	2
Census Block	2041
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	Individual Name on Record
Mailing Address	323 CLAY ST, NEVADA CITY, CA 95959-2817
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2023	Grant Deed, Transfer PLACER TITLE COMPANY
Nov 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage RAFAEL ALTMAN
Jun 16, 2017	Grant Deed, Transfer · Conventional Mortgage NORTHERN SIERRA FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2023 · Amount on Record
Deed Sale	Sep 21, 2023 · Amount on Record
Prior Sale	Jun 16, 2017 · Amount on Record
Deed Document Number	202313173
Prior Transfer Date	Jun 19, 2012
Prior Transfer Doc	0000016681
Record Updated	Oct 29, 2026

September 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NEVADA CA
Recording Date	Sep 21, 2023
Property Address	321 CLAY ST, NEVADA CITY, CA 95959-2817
Document Number	0000013173
Instrument Date	Sep 18, 2023
Instrument	20230013173
Transaction Type	Transfer
Record Updated	Oct 6, 2023
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	PO BOX 781, NEVADA CITY, CA 95959-0781

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEVADA CA
Property Address	321 CLAY ST, NEVADA CITY, CA 95959-2817
Document Number	0000028095
Instrument Date	Nov 29, 2019
Transaction Type	Mortgage
Record Updated	Mar 6, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	321 CLAY ST NEVADA CITY CA 959592817, NEVADA CITY, CA 95959-2817

Mortgage

Document Number	0000028095
Date	Dec 31, 2019
Instrument	28095

Lender

Name	RAFAEL ALTMAN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NEVADA CA
Recording Date	Jun 16, 2017
Property Address	321 CLAY ST, NEVADA CITY, CA 95959-2817
Document Number	0000013277
Instrument Date	Jun 8, 2017
Instrument	20170013277
Transaction Type	Transfer
Record Updated	Aug 23, 2021

Transaction

Amount	Amount Recorded
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

Mortgage

Document Number	0000013278
Date	Jun 16, 2017
Instrument	20170013278

Lender

Name	NORTHERN SIERRA FINANCIAL SERVICES
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 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		$988,380 (+2%) Land $416,160 Building $572,220
2025	$10,401.00 (+27.35%)	$969,000 (+24.99%) Land $408,000 Building $561,000
2023	$8,167.00 (+2.06%) Homeowner's exemption	$775,281 Land $223,101 Building $552,180	$833,040
2022	$8,002.00

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.

Nearby Properties on Clay St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures