3547 Oak Ln, Cottonwood, CA 96022 Property Records

Shasta County property record for 3547 Oak Ln, Cottonwood, CA 96022

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,794 sqft · built 1998
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Last Sale	$244,000 (May 2013)
Tax Bill	$3,559 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`207-120-014-000`

Property Details

APN / Parcel Number

Primary APN	`207-120-014-000`
Alternative APN	`20712014`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,794 sqft Living Area
1st Floor Area	1,794 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Foundation Type	Concrete
Lot Area	217,800 sqft
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	207120014000
Street Address	3547 OAK LN
City	COTTONWOOD
State	CA
Zip	96022-9254
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A-1-T
Jurisdiction	SHASTA CA
Township / Civil Division	REDDING
Census Block Group	1
Census Block	1028
Census Tract	12303

Owner

3547 Oak Ln, a rural home, is owned and occupied by an individual who acquired it in June 2020.

Source: Shasta County records, as of July 23, 2026

Owner of Record	Individual Name on File
Mailing Address	3547 OAK LN, COTTONWOOD, CA 96022-9254
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage CHANGE LENDING LLC
Jun 24, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage COMMERCE HOME MORTGAGE LLC
Jan 13, 2017	Quit Claim Deed, Transfer · Conventional Mortgage BANC HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2013 · Amount on File
Deed Sale	May 9, 2013 · Amount on File
Prior Sale	Sep 19, 2012 · Amount on File
Deed Document Number	201317320
Last Transfer Date	Jun 19, 2020
Transfer Doc	0000019450
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHASTA CA
Property Address	3547 OAK LN, COTTONWOOD, CA 96022-9254
Transaction Type	Mortgage
Record Updated	Jan 24, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3547 OAK LN, COTTONWOOD, CA 96022-9254

Mortgage

Document Number	0000000777
Date	Jan 10, 2022
Instrument	2022-0000777

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company
Address	92608

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SHASTA CA
Recording Date	Jun 24, 2020
Property Address	3547 OAK LN, COTTONWOOD, CA 96022-9254
Document Number	0000019450
Instrument Date	Jun 19, 2020
Instrument	2020-0019450
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	FIDELITY NATL TTL CO OF CA

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	3547 OAK LN, COTTONWOOD, CA 96022-9254

Mortgage

Document Number	0000019451
Date	Jun 24, 2020
Instrument	2020-0019451

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SHASTA CA
Recording Date	Jan 13, 2017
Property Address	3547 OAK LN, COTTONWOOD, CA 96022-9254
Document Number	0000001187
Instrument Date	Jan 6, 2017
Instrument	1187
Transaction Type	Transfer
Record Updated	Feb 16, 2017
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3547 OAK LN COTTONWOOD CA 960229254, COTTONWOOD, CA 96022-9254

Mortgage

Document Number	1188
Date	Jan 13, 2017
Instrument	1188

Lender

Name	BANC HM LNS
Type	Bank
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 12, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3547 Oak Ln was $3,559 with a homeowner's exemption.

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		$350,631 (+2%) Land $62,798 Building $287,833
2025	$3,559.00 Homeowner's exemption	$343,757 Land $61,567 Building $282,190
2023	$3,439.00 (+2.44%) Homeowner's exemption	$330,410 Land $59,177 Building $271,233
2022	$3,357.00

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

Flood

FEMA maps place 3547 Oak Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 8, 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
Nearby Flood Policies	5 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 3547 Oak Ln is very high, ranking above 92% of the US, with a 2% annual chance of wildfire.

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

Wildfire Risk	Very High above 92% of the US · above 75% of California
Wildfire Likelihood	2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
DigitalPath Fixed Wireless	200 / 20
Com-Pair Services Fixed Wireless	25 / 4

May also be available: Cal.net, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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