El Dorado County property record for 3246 Terraza St, Cameron Park, CA 95682
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,195 sqft · built 1988 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $675,000 (Aug 2024) |
| Tax Bill | $7,426 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Jan 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 119-224-014-000 |
| Primary APN | 119-224-014-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,195 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Material | Wood Shingle |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Type | Attached |
| Garage Area | 695 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 2,195 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3246 TERRAZA ST |
|---|---|
| City | CAMERON PARK |
| State | CA |
| Zip | 95682-8975 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | L 158 BAR J RANCH #2 |
| Legal Subdivision | BAR J RANCH #2 |
| Legal Lot Number | 158 |
| Jurisdiction | EL DORADO CA |
| Township / Civil Division | SOUTH EL DORADO |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 30807 |
Source: El Dorado County records, as of September 16, 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 | 3246 TERRAZA ST, CAMERON PARK, CA 95682-8975 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Surviving Spouse |
| Date | Document |
|---|---|
| Jun 4, 2026 | Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING |
| Jan 31, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PMG CAPITAL INC |
| Dec 13, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Oct 23, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage QUICKEN LNS |
| Oct 23, 2017 | Quit Claim Deed, Transfer TSI TITLE COMPANY, TSI TITLE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 16, 2024 · Amount on Record |
| Deed Sale | Aug 16, 2024 · Amount on Record |
| Prior Sale | Jun 12, 2006 · Amount on Record |
| Deed Document Number | 202423119 |
| Prior Transfer Date | Oct 12, 2017 |
| Prior Transfer Doc | 0000047225 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Jun 4, 2026 |
| Property Address | 3246 TERRAZA ST, CAMERON PARK, CA 95682-8975 |
| Document Number | 0000018207 |
| Instrument Date | May 29, 2026 |
| Instrument | 202618207 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner, 167 |
| Address | 3246 TERRAZA ST, CAMERON PARK, CA 95682-8975 |
| Document Number | 0000018207, |
|---|---|
| Date | Jun 4, 2026 |
| Instrument | 202618207 |
| Name | LAKEVIEW LOAN SERVICING |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 341 Months |
| Due | Nov 1, 2054 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 3246 TERRAZA ST, CAMERON PARK, CA 95682-8975 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 3246 TERRAZA ST, CAMERON PARK, CA 95682-8975 |
| Document Number | 0000005057 |
|---|---|
| Date | Jan 31, 2022 |
| Instrument | 2022-0005057 |
| Name | PMG CAPITAL INC |
|---|---|
| Type | Non-Lending Institution |
| Address | SACRAMENTO, CA 95825 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 3246 TERRAZA ST, CAMERON PARK, CA 95682-8975 |
| Document Number | 0000000213 |
| Instrument Date | Dec 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2019 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3246 TERRAZA ST CAMERON PARK CA 956828975, CAMERON PARK, CA 95682-8975 |
| Document Number | 0000000213 |
|---|---|
| Date | Jan 3, 2019 |
| Instrument | 213 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | TAMPA, FL 33634 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Oct 23, 2017 |
| Property Address | 3246 TERRAZA ST, CAMERON PARK, CA 95682-8975 |
| Document Number | 0000047225 |
| Instrument Date | Oct 12, 2017 |
| Instrument | 47225 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2019 |
| Title Company | TSI TITLE COMPANY, TSI TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3246 TERRAZA ST CAMERON PARK CA 956828975, CAMERON PARK, CA 95682-8975 |
| Document Number | 47226 |
|---|---|
| Date | Oct 23, 2017 |
| Instrument | 47226 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 22, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Oct 23, 2017 |
| Property Address | 3246 TERRAZA ST, CAMERON PARK, CA 95682-8975 |
| Document Number | 0000047227 |
| Instrument Date | Oct 12, 2017 |
| Instrument | 47227 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2019 |
| Title Company | TSI TITLE COMPANY, TSI TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3246 TERRAZA ST CAMERON PARK CA 956828975, CAMERON PARK, CA 95682-8975 |
Source: El Dorado County assessment roll, as of September 16, 2026
| Type | Name |
|---|---|
| State | California |
| County | El Dorado County |
| Elementary School District | Buckeye Union Elementary School District (KG - 08) |
| Secondary School District | El Dorado Union High School District (09 - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $688,500 (+2%) Land $185,640 Building $502,860 | |
| 2025 | $7,426.00 (+35.98%) | $675,000 (+36.92%) Land $182,000 Building $493,000 |
| 2024 | $5,461.00 (-0.05%) | |
| 2023 | $5,464.00 (-0.47%) | $493,000 Land $160,000 Building $333,000 |
| 2022 | $5,490.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective August 25, 2022 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · lower than 72% of California |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | EL DORADO ID - MAIN serves 128,408 people · EPA ID CA0910001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 328 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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