321 Rail Road Flat Rd, Rail Road Flat, CA 95248 Property Records

Calaveras County property record for 321 Rail Road Flat Rd, Rail Road Flat, CA 95248

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 624 sqft · built 2023
Lot Size	1.21 acres (52,708 sqft)
Owner	2 Individual Names on Record
Tax Bill	$793 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Oct 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`014-016-004-000`

Property Details

APN / Parcel Number

Primary APN	`014-016-004-000`
Alternative APN	`014016004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	624 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 1945
Architectural Style	Conventional
Lot Area	52,708 sqft

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	321 RAIL ROAD FLAT RD
City	RAIL ROAD FLAT
State	CA
Zip	95248
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA20
Legal Description	POR NE4 OF NW4 OF 35 T6R13
Legal Subdivision	TOWNSHIP 6 NORTH
Legal Lot Number	35
Jurisdiction	CALAVERAS CA
Township / Civil Division	ARNOLD-WEST POINT
Census Block Group	6
Census Block	6011
Census Tract	400

Owner

Source: Calaveras County records, as of September 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	321 RAIL ROAD FLAT RD, RAIL ROAD FLAT, CA 95248
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2023	Intrafamily Transfer, Transfer · FHA Mortgage TOP FLITE FINANCIAL INC
Oct 26, 2017	Quit Claim Deed, Transfer · Conventional Mortgage SIMPLY LAND SALES LLC
Jul 18, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2025
Deed Sale	Aug 6, 2025
Prior Sale	Nov 6, 2023
Deed Document Number	20257985
Prior Transfer Date	Jul 15, 2025
Prior Transfer Doc	0000007985
Record Updated	Oct 29, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALAVERAS CA
Recording Date	Nov 6, 2023
Property Address	321 RAIL ROAD FLAT RD, RAIL ROAD FLAT, CA 95248
Document Number	0000008805
Instrument Date	Nov 1, 2023
Instrument	2023-008805
Transaction Type	Transfer
Record Updated	Dec 4, 2023
Title Company	NC TITLE COMPANY, NETCO

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
Address	321 RAILROAD FLAT RD, MOKELUMNE HILL, CA 95245

Mortgage

Document Number	0000008806
Date	Nov 6, 2023
Instrument	2023-008806

Lender

Name	TOP FLITE FINANCIAL INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CALAVERAS CA
Recording Date	Oct 26, 2017
Property Address	321 RAIL ROAD FLAT RD, RAIL ROAD FLAT, CA 95248
Document Number	0000012294
Instrument Date	Oct 25, 2017
Instrument	2017-12294
Transaction Type	Transfer
Record Updated	Aug 26, 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	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 74, RIVER PINES, CA 95675-0074
Investor	Possibly a Property Investor

Mortgage

Document Number	0000012295
Date	Oct 26, 2017
Instrument	2017-12295

Lender

Name	SIMPLY LAND SALES LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	72 Months
Due	Oct 1, 2023

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALAVERAS CA
Recording Date	Jul 18, 2017
Property Address	321 RAIL ROAD FLAT RD, RAIL ROAD FLAT, CA 95248
Document Number	0000007969
Instrument Date	Jun 30, 2017
Instrument	7969
Transaction Type	Transfer
Record Updated	Aug 7, 2017

Transaction

Amount	Amount Recorded
Tax	$9.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5098 FOOTHILLS BLVD #3-452 ROSEVILLE CA 957476526, 3-452, ROSEVILLE, CA 95747-6526

Tax Assessment & Valuation

Source: Calaveras County assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	California
County	Calaveras County
Unified School District	Calaveras Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$221,374 (+227.04%) Land $22,047 Building $199,327
2025	$793.00 (-25.89%)	$67,691 (+1.86%) Land $21,615 Building $46,076
2023	$1,070.00 (+13.11%)	$66,455 Land $20,777 Building $45,678
2022	$946.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 30, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Extreme above 96% of the US · above 85% of California
Wildfire Likelihood	2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Volcano Vision DSL	100 / 30

Cell Coverage

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

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