El Dorado County property record for 3278 Topaz Ln, Cameron Park, CA 95682
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,679 sqft · built 1981 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $323,000 (Aug 2017) |
| Tax Bill | $4,030 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 082-491-032-000 |
| Primary APN | 082-491-032-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 1,679 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Construction Type | Wood |
| Lot Area | 3,049 sqft (0.07 acres) |
| Terrain | Wooded |
| Garage Type | Attached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 1,679 sqft |
| Sewer | Municipal |
|---|---|
| Water Source | Commercial |
| Street Address | 3278 TOPAZ LN |
|---|---|
| City | CAMERON PARK |
| State | CA |
| Zip | 95682-8514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | L 32 ROYAL HTS TNHS #2 |
| Legal Subdivision | ROYAL HTS TNHS #2 |
| Legal Lot Number | 32 |
| Jurisdiction | EL DORADO CA |
| Township / Civil Division | SOUTH EL DORADO |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 30809 |
3278 Topaz Ln is owned and occupied by two individuals who bought it in August 2017.
Source: El Dorado County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3278 TOPAZ LN, CAMERON PARK, CA 95682-8514 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| Aug 18, 2017 | Grant Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 18, 2017 · Amount on File |
| Deed Sale | Aug 18, 2017 · Amount on File |
| Prior Sale | Jun 8, 2000 · Amount on File |
| Deed Document Number | 201734871 |
| Prior Transfer Date | May 15, 1996 |
| Prior Transfer Doc | 0004694069 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 3278 TOPAZ LN, CAMERON PARK, CA 95682-8514 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2021 |
| Title Company | ORANGE COAST TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 3278 TOPAZ LN, CAMERON PARK, CA 95682-8514 |
| Document Number | 0000012377 |
|---|---|
| Date | Feb 22, 2021 |
| Instrument | 2021-0012377 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Aug 18, 2017 |
| Property Address | 3278 TOPAZ LN, CAMERON PARK, CA 95682-8514 |
| Document Number | 0000034871 |
| Map Reference | MB E PG 103 |
| Instrument Date | Aug 9, 2017 |
| Instrument | 2017-0034871 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2021 |
| Title Company | NORTH AMERICAN TITLE CO |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3278 TOPAZ LN, CAMERON PARK, CA 95682-8514 |
| Document Number | 0000034872 |
|---|---|
| Date | Aug 18, 2017 |
| Instrument | 2017-0034872 |
| Name | AMERICAN PACIFIC MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2047 |
| Document Number | 0000034873 |
|---|---|
| Date | Aug 18, 2017 |
| Instrument | 2017-0034873 |
| Name | AMERICAN PACIFIC MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 3278 Topaz Ln was $4,030, up 2.6% from the year before.
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 | $374,864 (+2%) Land $75,435 Building $299,429 | |
| 2025 | $4,030.00 (+2.65%) | $367,514 Land $73,956 Building $293,558 |
| 2024 | $3,926.00 (+2.43%) | |
| 2023 | $3,833.00 (+0.95%) | $353,244 Land $71,085 Building $282,159 |
| 2022 | $3,797.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 3278 Topaz Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1993.
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 |
| Nearby Flood Claims | 2 (1993–2011) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Mar 2011 · rainfall accumulation |
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 risk around 3278 Topaz Ln is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.01% 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 295 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 |
| Cal.net Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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