Calaveras County property record for 3646 Ben Thorn Dr, Arnold, CA 95223
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,064 sqft · built 1962 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | Individual Name on File |
| Last Sale | $195,000 (Apr 2017) |
| Tax Bill | $3,005 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Apr 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 025-008-027-000 |
| Primary APN | 025-008-027-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,064 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | A-Frame |
| Construction Type | Wood |
| Lot Area | 13,939 sqft (0.32 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Old Parcel Number | 025-008-027 |
|---|---|
| Street Address | 3646 BEN THORN DR |
| City | ARNOLD |
| State | CA |
| Zip | 95223 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SNOWSHOE SPRINGS SUB 3 LOT 158 |
| Legal Subdivision | SNOWSHOE SPRINGS SUB |
| Legal Lot Number | 158 |
| Legal Unit | 3 |
| Jurisdiction | CALAVERAS CA |
| Township / Civil Division | ARNOLD-WEST POINT |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 504 |
Source: Calaveras County records, as of July 2, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1272 BREWSTER ST, LATHROP, CA 95330-9235 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Apr 25, 2017 | Grant Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 25, 2017 · Amount on File |
| Deed Sale | Apr 25, 2017 · Amount on File |
| Prior Sale | Jul 30, 2002 · Amount on File |
| Deed Document Number | 20174435 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALAVERAS CA |
| Property Address | 3646 BEN THORN DR, ARNOLD, CA 95223 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2021 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|---|
| Address | 1272 BREWSTER ST, LATHROP, CA 95330-9235 |
| Document Number | 0000007197 |
|---|---|
| Date | Apr 15, 2021 |
| Instrument | 2021-007197 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CALAVERAS CA |
| Recording Date | Apr 25, 2017 |
| Property Address | 3646 BEN THORN DR, ARNOLD, CA 95223 |
| Document Number | 0000004435 |
| Map Reference | MAP2 PG43 |
| Instrument Date | Apr 17, 2017 |
| Instrument | 2017-04435 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2021 |
| Title Company | PLACER TITLE COMPANY |
| 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 | Joint Tenants |
| Address | 1272 BREWSTER ST, LATHROP, CA 95330-9235 |
| Document Number | 0000004436 |
|---|---|
| Date | Apr 25, 2017 |
| Instrument | 2017-04436 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2047 |
Source: Calaveras County assessment roll, as of July 2, 2026
| Type | Name |
|---|---|
| State | California |
| County | Calaveras County |
| Secondary School District | Bret Harte Union High School District (09 - 12) |
| Elementary School District | Vallecito Union Elementary School District (KG - 08) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $230,835 (+2%) Land $35,511 Building $195,324 | |
| 2025 | $3,005.00 (+2.88%) | $226,310 (+4.04%) Land $34,815 Building $191,495 |
| 2023 | $2,921.00 (+6.57%) | $217,524 Land $33,464 Building $184,060 |
| 2022 | $2,741.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective June 30, 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 79% of the US · above 56% of California |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation |
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 | SNOWSHOE SPRINGS ASSN. private · serves 686 people · EPA ID CA0510011 |
|---|---|
| Water Source | Purchased surface water from CCWD - EBBETTS PASS |
| Last State Inspection | Dec 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Apr 2019 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 189 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Starlink Satellite | 280 / 30 |
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