3903 Coldwater Dr, Rocklin, CA 95765 Property Records

Placer County property record for 3903 Coldwater Dr, Rocklin, CA 95765

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,401 sqft · built 2000
Lot Size	0.167 acres (7,277 sqft)
Owner	Trust Name on File
Last Sale	$195,500 (Aug 2000)
Tax Bill	$3,983 (2025)
Deeds & Mortgages	Nov 2019 Reverse Mortgage Feb 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`374-240-004-000`

Property Details

APN / Parcel Number

Primary APN	`374-240-004-000`
Alternative APN	`374-240-004`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,401 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	7,277 sqft (0.167 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	374-240-004
Street Address	3903 COLDWATER DR
City	ROCKLIN
State	CA
Zip	95765-4609
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 655 WHITNEY OAKS MOR W-26
Legal Subdivision	WHITNEY OAKS PH 2B
Legal Lot Number	655
Jurisdiction	PLACER CA
Township / Civil Division	ROCKLIN
Census Block Group	1
Census Block	1000
Census Tract	21122

Owner

3903 Coldwater Dr is owner-occupied and held in a trust since February 2020.

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

Owner of Record	Trust Name on File
Mailing Address	3903 COLDWATER DR, ROCKLIN, CA 95765-4609
Occupancy	Owner Occupied
Owner Type	Company
Vesting	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
Nov 4, 2019	Deed of Trust, Mortgage · Reverse Mortgage SYNERGY ONE LENDING
Feb 28, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 29, 2019	Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2000 · Amount on File
Deed Sale	Aug 29, 2000 · Amount on File
Deed Document Number	200063362
Last Transfer Date	Feb 12, 2020
Transfer Doc	0000017848
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	3903 COLDWATER DR, ROCKLIN, CA 95765-4609
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	STEWART TITLE OF SACRAMENTO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000087384
Date	Nov 4, 2019
Instrument	2019-0087384

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution
Address	LAKEWOOD, NJ 08701

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.95%
Type Change Date	Nov 1, 2020
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	5%
Index	1-Year LIBOR
Max Rate	5%

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PLACER CA
Recording Date	Feb 28, 2020
Property Address	3903 COLDWATER DR, ROCKLIN, CA 95765-4609
Document Number	0000017848
Instrument Date	Feb 12, 2020
Instrument	17848
Transaction Type	Transfer
Record Updated	Mar 16, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3903 COLDWATER DR ROCKLIN CA 957654609, ROCKLIN, CA 95765-4609

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	3903 COLDWATER DR, ROCKLIN, CA 95765-4609
Document Number	0000087385
Instrument Date	Oct 29, 2019
Transaction Type	Mortgage
Record Updated	Nov 18, 2019
Title Company	STEWART TITLE, STEWART TITLE/SACRAMENTO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3903 COLDWATER DR ROCKLIN CA 957654609, ROCKLIN, CA 95765-4609

Mortgage

Document Number	0000087385
Date	Nov 4, 2019
Instrument	87385

Lender

Name	FEDERAL HSNG COMMISSIONER
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.95%

Tax Assessment & Valuation

The 2025 property tax bill for 3903 Coldwater Dr was $3,983 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		$300,027 (+2%) Land $115,260 Building $184,767
2025	$3,983.00 Homeowner's exemption	$294,145 Land $113,000 Building $181,145
2023	$3,851.00 (+2.8%) Homeowner's exemption	$282,725 Land $108,613 Building $174,112
2022	$3,746.00

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

Flood

FEMA maps place 3903 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 3903 Coldwater Dr is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 66% of California
Wildfire Likelihood	0.1% 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 201 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
Cal.net Fixed Wireless	100 / 20

May also be available: AT&T.

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