El Dorado County property record for 3577 Montero Rd, Cameron Park, CA 95682
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,984 sqft · built 1988 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $680,000 (Oct 2022) |
| Tax Bill | $7,773 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Jan 2026 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 119-224-010-000 |
| Primary APN | 119-224-010-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,984 sqft Living Area |
| 1st Floor Area | 1,984 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Construction Type | Wood |
| Lot Area | 13,068 sqft (0.3 acres) |
| Garage Type | Attached |
| Garage Area | 680 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 1,984 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 3577 MONTERO RD |
|---|---|
| City | CAMERON PARK |
| State | CA |
| Zip | 95682-4026 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | L 154 BAR J RANCH #2 |
| Legal Subdivision | BAR J RANCH #2 |
| Legal Lot Number | 154 |
| Jurisdiction | EL DORADO CA |
| Township / Civil Division | SOUTH EL DORADO |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 30807 |
Source: El Dorado County records · APN 119-224-010-000
Assessment roll updated August 18, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3577 MONTERO RD, CAMERON PARK, CA 95682-4026 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 22, 2026 | Deed of Trust, Mortgage · Line of Credit GTE FEDERAL CREDIT UNION |
| Jan 21, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 21, 2022 | Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Feb 05, 2018 | Quit Claim Deed, Transfer FIRST AMERICAN TITLE |
| Feb 05, 2018 | Grant Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 21, 2022 · Amount on Record |
| Deed Sale | Oct 21, 2022 · Amount on Record |
| Prior Sale | Feb 05, 2018 · Amount on Record |
| Deed Document Number | 202241230 |
| Prior Transfer Date | Jan 24, 2018 |
| Prior Transfer Doc | 0000004177 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | May 22, 2026 |
| Property Address | 3577 MONTERO RD, CAMERON PARK, CA 95682-4026 |
| Document Number | 0000016816 |
| Instrument Date | May 14, 2026 |
| Instrument | 202616816 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 3577 MONTERO RD, CAMERON PARK, CA 95682-4026 |
| Document Number | 0000016816, |
|---|---|
| Date | May 22, 2026 |
| Instrument | 202616816 |
| Name | GTE FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 3577 MONTERO RD, CAMERON PARK, CA 95682-4026 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2026 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 3577 MONTERO RD, CAMERON PARK, CA 95682-4026 |
| Document Number | 0000002822 |
|---|---|
| Date | Jan 21, 2026 |
| Instrument | 2026-0002822 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2056 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Oct 21, 2022 |
| Property Address | 3577 MONTERO RD, CAMERON PARK, CA 95682-4026 |
| Document Number | 0000041230 |
| Map Reference | MB G PG 81 |
| Instrument Date | Oct 18, 2022 |
| Instrument | 2022-0041230 |
| Transaction Type | Transfer |
| Record Updated | Nov 02, 2022 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL CO OF CA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3577 MONTERO RD, CAMERON PARK, CA 95682-4026 |
| Document Number | 0000041231 |
|---|---|
| Date | Oct 21, 2022 |
| Instrument | 2022-0041231 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Type Change Date | Nov 01, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.8% |
| Index | Other |
| Max Rate | 10.8% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Feb 05, 2018 |
| Property Address | 3577 MONTERO RD, CAMERON PARK, CA 95682-4026 |
| Document Number | 0000004177 |
| Instrument Date | Jan 24, 2018 |
| Instrument | 4177 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 310 SANTA CRUZ ST BOULDER CREEK CA 950069452, BOULDER CREEK, CA 95006-9452 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Feb 05, 2018 |
| Property Address | 3577 MONTERO RD, CAMERON PARK, CA 95682-4026 |
| Document Number | 0000004178 |
| Map Reference | MB G PG 81 |
| Instrument Date | Jan 23, 2018 |
| Instrument | 2018-0004178 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2022 |
| Title Company | FIRST AMERICAN TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| 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 | 1932 SHELBY CT, EL DORADO HILLS, CA 95762-4230 |
| Document Number | 0000004179 |
|---|---|
| Date | Feb 05, 2018 |
| Instrument | 2018-0004179 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2048 |
Source: El Dorado County records · Assessment roll updated August 18, 2025 · Last verified June 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) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $7,773.00 (+2.25%) | $707,472 (+4.04%) Land $187,272 Building $520,200 |
| 2024 | $7,602.00 (+1.9%) | |
| 2023 | $7,460.00 (+37.26%) | $680,000 Land $180,000 Building $500,000 |
| 2022 | $5,435.00 |
Source: FEMA National Flood Hazard Layer as of August 25, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
Based on FCC filings for 328 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | EL DORADO ID - MAIN serves 128,408 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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