3540 Vista de Madera, Lincoln, CA 95648 Property Records

Placer County property record for 3540 Vista de Madera, Lincoln, CA 95648

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 5,572 sqft · built 2022
Lot Size	0.612 acres (26,641 sqft)
Owner	Trust Name on File
Last Sale	$325,000 (Jun 2019)
Tax Bill	$21,873 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Dec 2019 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`337-250-001-000`

Property Details

APN / Parcel Number

Primary APN	`337-250-001-000`
Alternative APN	`337-250-001`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Building Area	5,572 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Lot Area	26,641 sqft (0.612 acres)
Garage Area	1,469 sqft
Parking Spaces	5 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	337-250-001
Street Address	3540 VISTA DE MADERA
City	LINCOLN
State	CA
Zip	95648-7935
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 31 VERDERA VILLAGE 13 PHASE 3 MOR BK Z PG 58
Legal Subdivision	VERDERA VILLAGE 13 PHASE 3
Legal Lot Number	31
Jurisdiction	PLACER CA
Township / Civil Division	ROCKLIN
Census Block Group	4
Census Block	4005
Census Tract	21123

Owner

3540 Vista de Madera is held in a trust since June 2019.

Source: Placer County records, as of July 13, 2026

Owner of Record	Trust Name on File
Mailing Address	320 CLOVERFIELD CT, LINCOLN, CA 95648-8344
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BANK
Dec 30, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Jun 18, 2019	Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE CO/CA
Sep 26, 2018	Grant Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2019 · Amount on File
Deed Sale	Jun 18, 2019 · Amount on File
Prior Sale	Sep 26, 2018 · Amount on File
Deed Document Number	201941615
Prior Transfer Date	Jul 8, 2005
Prior Transfer Doc	0000091097
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	3540 VISTA DE MADERA, LINCOLN, CA 95648-7935
Transaction Type	Mortgage
Record Updated	Sep 1, 2022
Title Company	STEWART TITLE OF SACRAMENTO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018010
Date	Feb 28, 2020
Instrument	2020-0018010

Lender

Name	UMPQUA BANK
Type	Bank
Address	MOUNTLAKE TERRACE, WA 98043

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Feb 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.87%
Index	1-Year LIBOR
Max Rate	8.87%

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PLACER CA
Recording Date	Dec 30, 2019
Property Address	3540 VISTA DE MADERA, LINCOLN, CA 95648-7935
Document Number	0000106099
Instrument Date	Jun 19, 2019
Instrument	106099
Transaction Type	Transfer
Record Updated	Jan 17, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2204 PLAZA DR #220 ROCKLIN CA 957654413, 220, ROCKLIN, CA 95765-4413

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PLACER CA
Recording Date	Jun 18, 2019
Property Address	3540 VISTA DE MADERA, LINCOLN, CA 95648-7935
Document Number	0000041615
Instrument Date	Jun 12, 2019
Instrument	41615
Transaction Type	Transfer
Record Updated	Jun 28, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE CO/CA

Transaction

Amount	Amount on Record
Tax	$357.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2204 PLAZA DR #220 ROCKLIN CA 957654413, 220, ROCKLIN, CA 95765-4413

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PLACER CA
Recording Date	Sep 26, 2018
Property Address	3540 VISTA DE MADERA, LINCOLN, CA 95648-7935
Document Number	0000069399
Instrument Date	Sep 14, 2018
Instrument	69399
Transaction Type	Transfer
Record Updated	Oct 10, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Tax	$342.10
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1331 LARKSPUR DR ROCKLIN CA 957655593, ROCKLIN, CA 95765-5593

Tax Assessment & Valuation

The 2025 property tax bill for 3540 Vista de Madera was $21,873.

Source: Placer County assessment roll, as of July 13, 2026

Property Jurisdictions

Type	Name
State	California
County	Placer County
Municipality	Lincoln City
Unified School District	Western Placer Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$2,142,000 (+5%) Land $343,300 Building $1,798,700
2025	$21,873.00	$2,040,000 Land $326,900 Building $1,713,100
2023	$23,457.00 (+73.42%)	$2,101,132 Land $341,632 Building $1,759,500
2022	$13,526.00

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

Flood

FEMA maps place 3540 Vista de Madera in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 17, 2026 · 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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 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

Wildfire risk around 3540 Vista de Madera is moderate, ranking above 69% of the US, with a 0.3% annual chance of 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	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	CITY OF LINCOLN serves 56,268 people · EPA ID CA3110004
Water Source	Purchased surface water from PLACER CWA - FOOTHILL
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2025–2027) 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 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Cal.net, DigitalPath, Verizon.

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