3650 Montclair Rd, Cameron Park (Shingle Springs), CA 95682 Property Records

El Dorado County property record for 3650 Montclair Rd, Cameron Park, CA 95682

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,244 sqft · built 1981
Lot Size	0.389 acres (16,988 sqft)
Owner	Owner Name on Record
Last Sale	$539,000 (Apr 2005)
Tax Bill	$5,385 (2025)
Deeds & Mortgages	Jul 2021 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`082-183-003-000`

Property Details

APN / Parcel Number

Primary APN	`082-183-003-000`
Alternative APN	`0821830310`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,244 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Construction Type	Wood
Lot Area	16,988 sqft (0.389 acres)
Terrain	Brushy
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Patio Area	2,244 sqft

Utilities, Heating & Cooling

Cooling System	Central
Sewer	Connected
Water Source	Commercial

Location & Zoning

Old Parcel Number	0821830310
Street Address	3650 MONTCLAIR RD
City	CAMERON PARK
State	CA
Zip	95682-9081
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L 760 CAMERON PK N 2
Legal Subdivision	CAMERON PK N 2
Legal Lot Number	760
Jurisdiction	EL DORADO CA
Township / Civil Division	SOUTH EL DORADO
Census Block Group	2
Census Block	2004
Census Tract	30809

Owner

Source: El Dorado County records, as of September 22, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on Record
Mailing Address	3650 MONTCLAIR RD, CAMERON PARK, CA 95682-9081
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage WATERMARK CAPITAL INC
May 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage WATERMARK CAP
Mar 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage WATERMARK CAP

Assessor's Deed Record

Last Sale	Apr 7, 2005 · Amount on Record
Deed Sale	Apr 7, 2005 · Amount on Record
Prior Sale	Aug 15, 1997 · Amount on Record
Deed Document Number	2005-0027890
Record Updated	Jun 7, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	3650 MONTCLAIR RD, CAMERON PARK, CA 95682-9081
Transaction Type	Mortgage
Record Updated	Jul 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3650 MONTCLAIR RD, CAMERON PARK, CA 95682-9081

Mortgage

Document Number	0000047689
Date	Jul 22, 2021
Instrument	2021-0047689

Lender

Name	WATERMARK CAPITAL INC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2036

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	3650 MONTCLAIR RD, CAMERON PARK, CA 95682-9081
Document Number	0000023090
Instrument Date	May 16, 2020
Transaction Type	Mortgage
Record Updated	Jun 1, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE ORANGE CN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3650 MONTCLAIR RD CAMERON PARK CA 956829081, CAMERON PARK, CA 95682-9081

Mortgage

Document Number	0000023090
Date	May 21, 2020
Instrument	23090

Lender

Name	WATERMARK CAP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 20, 2035

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	3650 MONTCLAIR RD, CAMERON PARK, CA 95682-9081
Document Number	0000009215
Instrument Date	Mar 14, 2019
Transaction Type	Mortgage
Record Updated	Jun 11, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3650 MONTCLAIR RD CAMERON PARK CA 956829081, CAMERON PARK, CA 95682-9081

Mortgage

Document Number	0000009215
Date	Mar 19, 2019
Instrument	9215

Lender

Name	WATERMARK CAP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 18, 2034

Tax Assessment & Valuation

Source: El Dorado County assessment roll, as of July 1, 2025

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$5,385.00 (+0.26%) Homeowner's exemption	$502,500 (-) Land $163,000 Building $339,500
2023	$5,371.00 (-0.5%) Homeowner's exemption	$502,500 Land $163,000 Building $339,500
2022	$5,398.00

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

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1993–2011)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Mar 2011 · rainfall accumulation

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

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

Wildfire Risk	Low lower than 66% of the US · lower than 80% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	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

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 295 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
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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