Calaveras County property record for 3428 Gardner Flat Rd, Arnold, CA 95223
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,416 sqft · built 1999 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | Company Name on File |
| Last Sale | $545,000 (Jul 2022) |
| Tax Bill | $6,647 (2025) |
| Deeds & Mortgages | Jul 2022 Sale Jun 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 025-009-054-000 |
| Primary APN | 025-009-054-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,416 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Modern |
| Lot Area | 18,295 sqft (0.42 acres) |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Septic |
| Old Parcel Number | 025-009-054 |
|---|---|
| Street Address | 3428 GARDNER FLAT RD |
| City | ARNOLD |
| State | CA |
| Zip | 95223 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SNOWSHOE SPRINGS SUB 4 POR OF LOT 180 |
| Legal Subdivision | SNOWSHOE SPRINGS SUB |
| Legal Lot Number | 180 |
| Legal Unit | 4 |
| Jurisdiction | CALAVERAS CA |
| Township / Civil Division | ARNOLD-WEST POINT |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 504 |
3428 Gardner Flat Rd is owned by a company that bought it in July 2022.
Source: Calaveras County records, as of July 2, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 240 ARBOR LN, SAN MATEO, CA 94403-3338 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
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 |
|---|---|
| Jul 15, 2022 | Grant Deed, Transfer PLACER TITLE COMPANY |
| Jun 12, 2017 | Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT EQUITY MORTGAGE LLC |
| Jan 4, 2021 | Grant Deed, Transfer · Conventional Mortgage US BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 15, 2022 · Amount on File |
| Deed Sale | Jul 15, 2022 · Amount on File |
| Prior Sale | Jan 4, 2021 · Amount on File |
| Deed Document Number | 20229045 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CALAVERAS CA |
| Recording Date | Jul 15, 2022 |
| Property Address | 3428 GARDNER FLAT RD, ARNOLD, CA 95223 |
| Document Number | 0000009045 |
| Map Reference | MB 2 PG 49 |
| Instrument Date | Jul 11, 2022 |
| Instrument | 2022-009045 |
| Transaction Type | Transfer |
| Record Updated | Aug 8, 2022 |
| Title Company | PLACER TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 240 ARBOR LN, SAN MATEO, CA 94403-3338 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALAVERAS CA |
| Property Address | 3428 GARDNER FLAT RD, ARNOLD, CA 95223 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|
| Document Number | 0000006362 |
|---|---|
| Date | Jun 12, 2017 |
| Instrument | 2017-006362 |
| Name | PARAMOUNT EQUITY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2032 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CALAVERAS CA |
| Recording Date | Jan 4, 2021 |
| Property Address | 3428 GARDNER FLAT RD, ARNOLD, CA 95223 |
| Document Number | 0000000062 |
| Map Reference | MB 2 PG 49 |
| Instrument Date | Dec 23, 2020 |
| Instrument | 2021-000062 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2021 |
| Title Company | PLACER TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 3820 VERMEER DR, MODESTO, CA 95356-2404 |
| Document Number | 0000000063 |
|---|---|
| Date | Jan 4, 2021 |
| Instrument | 2021-000063 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
The 2025 property tax bill for 3428 Gardner Flat Rd was $6,647.
Source: Calaveras County assessment roll, as of July 2, 2026
| Type | Name |
|---|---|
| State | California |
| County | Calaveras County |
| Secondary School District | Bret Harte Union High School District (09 - 12) |
| Elementary School District | Vallecito Union Elementary School District (KG - 08) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $578,358 (+2%) Land $26,530 Building $551,828 | |
| 2025 | $6,647.00 | $567,018 Land $26,010 Building $541,008 |
| 2023 | $6,456.00 (+19.71%) | $545,000 Land $25,000 Building $520,000 |
| 2022 | $5,393.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 3428 Gardner Flat Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 30, 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.
Wildfire risk around 3428 Gardner Flat Rd is high, ranking above 82% of the US, with a 0.6% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 82% of the US · above 60% of California |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Direct burnable vegetation |
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 | SNOWSHOE SPRINGS ASSN. private · serves 686 people · EPA ID CA0510011 |
|---|---|
| Water Source | Purchased surface water from CCWD - EBBETTS PASS |
| Last State Inspection | Dec 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Apr 2019 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 249 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
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