3848 Coldwater Dr, Rocklin, CA 95765 Property Records

Placer County property record for 3848 Coldwater Dr, Rocklin, CA 95765

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,164 sqft · built 2000
Lot Size	0.322 acres (14,012 sqft)
Owner	Trust Name on File
Last Sale	$470,000 (Apr 2013)
Tax Bill	$7,058 (2025)
Deeds & Mortgages	May 2017 Line of Credit Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`374-250-036-000`

Property Details

APN / Parcel Number

Primary APN	`374-250-036-000`
Alternative APN	`374-250-036`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	2,164 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Contemporary
Construction Type	Frame
Lot Area	14,012 sqft (0.322 acres)
Garage Area	651 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	374-250-036
Street Address	3848 COLDWATER DR
City	ROCKLIN
State	CA
Zip	95765-4607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 736 & POR 737 WHITNEY OAKS MOR W-41
Legal Subdivision	WHITNEY OAKS PH 2B PARCEL 39B UNIT 27B
Legal Lot Number	736
Jurisdiction	PLACER CA
Township / Civil Division	ROCKLIN
Census Block Group	1
Census Block	1005
Census Tract	21122

Owner

3848 Coldwater Dr is owner-occupied and held in a trust since April 2013.

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

Owner of Record	Trust Name on File
Mailing Address	3848 COLDWATER DR, ROCKLIN, CA 95765-4607
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family 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
May 25, 2017	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
Jul 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BANK
Oct 4, 2021	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
Apr 17, 2019	Loan Modification, Mortgage · Conventional Mortgage UMPQUA BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2013 · Amount on File
Deed Sale	Apr 22, 2013 · Amount on File
Deed Document Number	201338521
Prior Transfer Date	Apr 3, 2013
Prior Transfer Doc	0000044446
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	3848 COLDWATER DR, ROCKLIN, CA 95765-4607
Transaction Type	Mortgage
Record Updated	Oct 20, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038407
Date	May 25, 2017
Instrument	2017-0038407

Lender

Name	UMPQUA BANK
Type	Bank
Address	ROCKLIN, CA 95765

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	3848 COLDWATER DR, ROCKLIN, CA 95765-4607
Transaction Type	Mortgage
Record Updated	Oct 20, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000079046
Date	Jul 30, 2020
Instrument	2020-0079046

Lender

Name	UMPQUA BANK
Type	Bank
Address	PORTLAND, OR 97224

Agreement

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

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	3848 COLDWATER DR, ROCKLIN, CA 95765-4607
Transaction Type	Mortgage
Record Updated	Oct 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3848 COLDWATER DR, ROCKLIN, CA 95765-4607

Mortgage

Document Number	0000123146
Date	Oct 4, 2021
Instrument	2021-0123146

Lender

Name	UMPQUA BANK
Type	Bank
Address	92765

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	PLACER CA
Property Address	3848 COLDWATER DR, ROCKLIN, CA 95765-4607
Document Number	0000026031
Instrument Date	Apr 17, 2019
Transaction Type	Mortgage
Record Updated	May 8, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3848 COLDWATER DR ROCKLIN CA 957654607, ROCKLIN, CA 95765-4607

Mortgage

Document Number	0000026031
Date	Apr 25, 2019
Instrument	26031

Lender

Name	UMPQUA BK
Type	Bank
Address	ROCKLIN, CA 95765

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 3848 Coldwater Dr was $7,058 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$590,333 (+2%) Land $125,600 Building $464,733
2025	$7,058.00 Homeowner's exemption	$578,759 Land $123,138 Building $455,621
2023	$6,853.00 (+2.71%) Homeowner's exemption	$556,287 Land $118,357 Building $437,930
2022	$6,672.00

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

Flood

FEMA maps place 3848 Coldwater Dr 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
Nearby Flood Policies	3 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 3848 Coldwater Dr is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 60% of the US · lower than 63% of California
Wildfire Likelihood	0.2% 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	PLACER CWA - FOOTHILL serves 93,417 people · EPA ID CA3110025
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2023–2025) 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 126 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Zeta Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
DigitalPath Fixed Wireless	200 / 20
T-Mobile Fixed Wireless	100 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: AT&T.

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