3431 N Elm St, Visalia, CA 93291 Property Records

Tulare County property record for 3431 N Elm St, Visalia, CA 93291

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,322 sqft · built 2018
Lot Size	0.253 acres (11,032 sqft)
Owner	Individual Name on Record
Last Sale	$398,000 (Jun 2018)
Tax Bill	$5,804 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`078-370-009-000`

Property Details

APN / Parcel Number

Primary APN	`078-370-009-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,322 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Wood
Lot Area	11,032 sqft (0.253 acres)
Garage Area	644 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Location & Zoning

Street Address	3431 N ELM ST
City	VISALIA
State	CA
Zip	93291-8138
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 54 SHANNON RANCH 3,UNIT NO 1,2,3,4 & 6,RM43-55
Legal Subdivision	SHANNON RANCH 3
Legal Lot Number	54
Jurisdiction	TULARE CA
Township / Civil Division	VISALIA
Census Block Group	2
Census Block	2030
Census Tract	1012

Owner

Source: Tulare County records, as of October 5, 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	3431 N ELM ST, VISALIA, CA 93291-8138
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage WESTERN PIONEER FINANCIAL INC
Dec 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jun 27, 2018	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2018 · Amount on Record
Deed Sale	Jun 27, 2018 · Amount on Record
Deed Document Number	201834757
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TULARE CA
Property Address	3431 N ELM ST, VISALIA, CA 93291-8138
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3431 N ELM ST, VISALIA, CA 93291-8138

Mortgage

Document Number	0000068354
Date	Oct 26, 2020
Instrument	2020-0068354

Lender

Name	WESTERN PIONEER FINANCIAL INC
Type	Funding / Finance Company
Address	FRESNO, CA 93711

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TULARE CA
Property Address	3431 N ELM ST, VISALIA, CA 93291-8138
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000076074
Date	Dec 26, 2019
Instrument	2019-0076074

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	TULARE CA
Recording Date	Jun 27, 2018
Property Address	3431 N ELM ST, VISALIA, CA 93291-8138
Document Number	0000034757
Map Reference	MB43 PG55
Instrument Date	Jun 21, 2018
Instrument	2018-0034757
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	PLACER TITLE CO

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3431 N ELM ST, VISALIA, CA 93291-8138

Mortgage

Document Number	0000034758
Date	Jun 27, 2018
Instrument	2018-0034758

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

Source: Tulare County assessment roll, as of October 5, 2026

Property Jurisdictions

Type	Name
State	California
County	Tulare County
Municipality	Visalia City
Unified School District	Visalia Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$500,372 (+2%) Land $98,648 Building $401,724
2025	$5,804.00 (+5.34%)	$490,562 (+4.04%) Land $96,714 Building $393,848
2023	$5,510.00 (+2.88%)	$471,514 Land $92,959 Building $378,555
2022	$5,356.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 131 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	131 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

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

Wildfire Risk	Low lower than 66% of the US · lower than 80% of California
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CWS - VISALIA private · serves 153,522 people · EPA ID CA5410016
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 602 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
OACYS Technology Fixed Wireless	100 / 30

May also be available: AT&T, T-Mobile, Verizon, Wireless Internet Services.

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