3475 Willow St, Cottonwood, CA 96022 Property Records

Shasta County property record for 3475 Willow St, Cottonwood, CA 96022

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,770 sqft · built 1965
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on Record
Last Sale	$105,000 (Oct 2011)
Tax Bill	$1,444 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Oct 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`088-040-036-000`

Property Details

APN / Parcel Number

Primary APN	`088-040-036-000`
Alternative APN	`08804036`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,770 sqft Living Area
1st Floor Area	1,140 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Lot Area	15,682 sqft (0.36 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Location & Zoning

Account Number	088040036000
Street Address	3475 WILLOW ST
City	COTTONWOOD
State	CA
Zip	96022-8674
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Subdivision	BUTTERWAYS ADDITION
Legal Block	2
Jurisdiction	SHASTA CA
Township / Civil Division	REDDING
Census Block Group	4
Census Block	4013
Census Tract	12200

Owner

Source: Shasta County records, as of July 23, 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	PO BOX 1852, COTTONWOOD, CA 96022-1852
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2025	Deed of Trust, Mortgage · Line of Credit UPSTART MORTGAGE LLC
Oct 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Nov 12, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2011 · Amount on Record
Deed Sale	Oct 17, 2011 · Amount on Record
Deed Document Number	201131010
Last Transfer Date	Nov 4, 2019
Transfer Doc	0000034830
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHASTA CA
Property Address	3475 WILLOW ST, COTTONWOOD, CA 96022-8674
Transaction Type	Mortgage
Record Updated	Dec 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3475 WILLOW ST, COTTONWOOD, CA 96022-8674

Mortgage

Document Number	0000027071
Date	Nov 17, 2025
Instrument	2025-0027071

Lender

Name	UPSTART MORTGAGE LLC
Type	Mortgage Company
Address	COLUMBUS, OH 43215

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 12, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHASTA CA
Property Address	3475 WILLOW ST, COTTONWOOD, CA 96022
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027702
Date	Oct 5, 2018
Instrument	2018-0027702

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SHASTA CA
Recording Date	Nov 12, 2019
Property Address	3475 WILLOW ST, COTTONWOOD, CA 96022
Document Number	0000034830
Map Reference	PG 71
Instrument Date	Nov 4, 2019
Instrument	2019-0034830
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	CHICAGO TITLE COMPANY

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
Address	PO BOX 1852, COTTONWOOD, CA 96022-1852

Mortgage

Document Number	0000034831
Date	Nov 12, 2019
Instrument	2019-0034831

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

Source: Shasta County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	California
County	Shasta County
Secondary School District	Anderson Union High School District (09 - 12)
Elementary School District	Cottonwood Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$134,510 (+2%) Land $38,429 Building $96,081
2025	$1,444.00 (+3.66%) Homeowner's exemption	$131,874 (+4.04%) Land $37,676 Building $94,198
2023	$1,393.00 (+2.35%) Homeowner's exemption	$126,755 Land $36,214 Building $90,541
2022	$1,361.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 8, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 51% of the US · lower than 69% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within 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	COTTONWOOD WATER DISTRICT serves 3,316 people · EPA ID CA4510007
Water Source	Groundwater
Last State Inspection	May 2022
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024 Coliform assessment Aug 2018
Monitoring and Reporting	2 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 176 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
DigitalPath Fixed Wireless	400 / 20
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: AT&T, T-Mobile.

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