345 Clay St, Nevada City, CA 95959 Property Records

Nevada County property record for 345 Clay St, Nevada City, CA 95959

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,321 sqft · built 1989
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Tax Bill	$7,988 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Apr 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`005-480-025-000`

Property Details

APN / Parcel Number

Primary APN	`005-480-025-000`
Alternative APN	`05-480-25-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,321 sqft Living Area
1st Floor Area	1,472 sqft
2nd Floor Area	849 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Traditional
Lot Area	13,068 sqft (0.3 acres)
Terrain	Rolling
View / Lot	Average
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Patio Area	462 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected
Water Source	Commercial

Location & Zoning

Old Parcel Number	05-480-25-000
Street Address	345 CLAY ST
City	NEVADA CITY
State	CA
Zip	95959-2817
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 GIANI SUB
Legal Subdivision	GIANI SUB
Legal Lot Number	1
Jurisdiction	NEVADA CA
Township / Civil Division	NEVADA CITY
Census Block Group	2
Census Block	2041
Census Tract	802

Owner

Source: Nevada County records, as of July 7, 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	345 CLAY ST, NEVADA CITY, CA 95959-2817
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2023	Deed of Trust, Mortgage · Commercial Mortgage PNC BANK NA
Apr 14, 2022	Intrafamily Transfer, Transfer
Jul 13, 2020	Grant Deed, Transfer PLACER TITLE COMPANY, PLACER TITLE CO.

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 24, 1998
Transfer Doc	0000013411
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEVADA CA
Property Address	345 CLAY ST, NEVADA CITY, CA 95959-2817
Transaction Type	Mortgage
Record Updated	Mar 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 CLAY ST, NEVADA CITY, CA 95959-2817

Mortgage

Document Number	0000002166
Date	Feb 17, 2023
Instrument	20230002166

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Feb 6, 2063

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NEVADA CA
Recording Date	Apr 14, 2022
Property Address	345 CLAY ST, NEVADA CITY, CA 95959-2817
Document Number	0000008177
Map Reference	MB 7 PG 64
Instrument Date	Feb 17, 2022
Instrument	20220008177
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Living Trust
Address	345 CLAY ST, NEVADA CITY, CA 95959-2817

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NEVADA CA
Recording Date	Jul 13, 2020
Property Address	345 CLAY ST, NEVADA CITY, CA 95959-2817
Document Number	0000015957
Instrument Date	Jul 8, 2020
Instrument	15957
Transaction Type	Transfer
Record Updated	Jul 30, 2020
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount Recorded
Tax	$776.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	345 CLAY ST NEVADA CITY CA 959592817, NEVADA CITY, CA 95959-2817

Tax Assessment & Valuation

Source: Nevada County assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	California
County	Nevada County
Municipality	Nevada City
Elementary School District	Nevada City Elementary School District (KG - 08)
Secondary School District	Nevada Joint Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$778,376 (+2%) Land $138,010 Building $640,366
2025	$7,988.00 (+4.13%) Homeowner's exemption	$763,114 (+4.04%) Land $135,304 Building $627,810
2023	$7,671.00 (+2.08%) Homeowner's exemption	$733,482 Land $130,050 Building $603,432	$801,720
2022	$7,515.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 20, 2024 · 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	7 (1982–2017)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Feb 2017 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 4 claims

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	Moderate above 69% of the US · above 44% of California
Wildfire Likelihood	0.3% annual chance
Exposure	None beyond ember reach

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	CITY OF NEVADA CITY serves 3,148 people · EPA ID CA2910002
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Jan 2023
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 260 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
SmarterBroadband Fixed Wireless	100 / 25

May also be available: GeoLinks.

Cell Coverage

5G (outdoors only) and 4G LTE

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