El Dorado County property record for 3481 Montero Rd, Cameron Park, CA 95682
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,504 sqft · built 1989 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $820,000 (Nov 2025) |
| Tax Bill | $5,062 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Nov 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 119-131-013-000 |
| Primary APN | 119-131-013-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,504 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Material | Wood Shingle |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Type | Attached |
| Garage Area | 771 sqft |
| Parking Spaces | 3 Parking Spaces |
| Patio Area | 2,504 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3481 MONTERO RD |
|---|---|
| City | CAMERON PARK |
| State | CA |
| Zip | 95682-4022 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | L 187 BAR J RANCH #3 |
| Legal Subdivision | BAR J RANCH #3 |
| Legal Lot Number | 187 |
| Jurisdiction | EL DORADO CA |
| Township / Civil Division | SOUTH EL DORADO |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 30807 |
3481 Montero Rd is owned and occupied by two individuals who bought it in November 2025.
Source: El Dorado County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3481 MONTERO RD, CAMERON PARK, CA 95682-4022 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
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 |
|---|---|
| Apr 5, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Nov 21, 2025 | Grant Deed, Transfer · VA Mortgage GOLDEN BAY MORTGAGE GROUP |
| Mar 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GFL CAPITAL MORTGAGE INC |
| Jun 30, 2017 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 21, 2025 · Amount on File |
| Deed Sale | Nov 21, 2025 · Amount on File |
| Prior Sale | Aug 23, 2010 · Amount on File |
| Deed Document Number | 202533579 |
| Prior Transfer Date | Oct 11, 2001 |
| Prior Transfer Doc | 0000066230 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 3481 MONTERO RD, CAMERON PARK, CA 95682-4022 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2025 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 3481 MONTERO RD, CAMERON PARK, CA 95682-4022 |
| Document Number | 0000009302 |
|---|---|
| Date | Apr 5, 2023 |
| Instrument | 2023-0009302 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | FORT WORTH, TX 76155 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Nov 21, 2025 |
| Property Address | 3481 MONTERO RD, CAMERON PARK, CA 95682-4022 |
| Document Number | 0000033579 |
| Map Reference | MB G PG 117 |
| Instrument Date | Oct 30, 2025 |
| Instrument | 2025-0033579 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2025 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE CO OF CA |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment 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 | Community Property with Right of Survivorship |
| Address | 3481 MONTERO RD, CAMERON PARK, CA 95682-4022 |
| Document Number | 0000033580 |
|---|---|
| Date | Nov 21, 2025 |
| Instrument | 2025-0033580 |
| Name | GOLDEN BAY MORTGAGE GROUP |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 3481 MONTERO RD, CAMERON PARK, CA 95682-4022 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2022 |
| Title Company | STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|
| Document Number | 0000012804 |
|---|---|
| Date | Mar 19, 2020 |
| Instrument | 2020-0012804 |
| Name | GFL CAPITAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SACRAMENTO, CA 95831 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Apr 1, 2045 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Jun 30, 2017 |
| Property Address | 3481 MONTERO RD, CAMERON PARK, CA 95682-4022 |
| Document Number | 0000026836 |
| Instrument Date | Jun 30, 2017 |
| Instrument | 26836 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 3481 MONTERO RD CAMERON PARK CA 956824022, CAMERON PARK, CA 95682-4022 |
The 2025 property tax bill for 3481 Montero Rd was $5,062.
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 | $820,000 (+77.79%) Land $221,000 Building $599,000 | |
| 2025 | $5,062.00 Homeowner's exemption | $461,210 Land $115,299 Building $345,911 |
| 2023 | $4,858.00 (+1.46%) Homeowner's exemption | $443,303 Land $110,823 Building $332,480 |
| 2022 | $4,788.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 3481 Montero Rd in Zone X, an area of minimal flood risk.
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 |
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 3481 Montero Rd is moderate, ranking above 47% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · lower than 72% of California |
|---|---|
| Wildfire Likelihood | 0.08% 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 328 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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