3905 Toronto Rd, Cameron Park (Shingle Springs), CA 95682 Property Records

El Dorado County property record for 3905 Toronto Rd, Cameron Park, CA 95682

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,919 sqft · built 1977
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Trust Names on File
Last Sale	$640,000 (Sep 2024)
Tax Bill	$6,932 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`082-045-009-000`

Property Details

APN / Parcel Number

Primary APN	`082-045-009-000`
Alternative APNs	`08204509100` `0820450910`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,919 sqft Living Area
1st Floor Area	1,919 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Wood
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Garage Area	503 sqft
Parking Spaces	2 Parking Spaces
Patio Area	1,919 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3905 TORONTO RD
City	CAMERON PARK
State	CA
Zip	95682-8629
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L 295 CAMERON PK N 1
Legal Subdivision	CAMERON PK N 1
Legal Lot Number	295
Jurisdiction	EL DORADO CA
Township / Civil Division	SOUTH EL DORADO
Census Block Group	1
Census Block	1007
Census Tract	30809

Owner

3905 Toronto Rd is owner-occupied and held in a trust since September 2024.

Source: El Dorado County records, as of September 16, 2026

Owner of Record	2 Trust Names on File
Mailing Address	3905 TORONTO RD, CAMERON PARK, CA 95682-8629
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Living 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
Dec 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage DLJ FINANCIAL INC
Jun 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Nov 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2024 · Amount on File
Deed Sale	Sep 20, 2024 · Amount on File
Prior Sale	Mar 21, 2011 · Amount on File
Deed Document Number	202426914
Prior Transfer Date	Jan 12, 2011
Prior Transfer Doc	0000002777
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	3905 TORONTO RD, CAMERON PARK, CA 95682-8629
Transaction Type	Mortgage
Record Updated	Jul 19, 2022
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000058096
Date	Dec 21, 2017
Instrument	2017-0058096

Lender

Name	DLJ FINANCIAL INC
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	3905 TORONTO RD, CAMERON PARK, CA 95682-8629
Transaction Type	Mortgage
Record Updated	Jul 19, 2022
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029843
Date	Jun 23, 2020
Instrument	2020-0029843

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

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

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	3905 TORONTO RD, CAMERON PARK, CA 95682-8629
Transaction Type	Mortgage
Record Updated	Jul 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3905 TORONTO RD, CAMERON PARK, CA 95682-8629

Mortgage

Document Number	0000070098
Date	Nov 10, 2021
Instrument	2021-0070098

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3905 Toronto Rd was $6,932, up 113.3% from the year before.

Source: El Dorado County assessment roll, as of September 16, 2026

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
2026		$315,181 (-50.75%) Land $128,110 Building $187,071
2025	$6,932.00 (+113.29%)	$640,000 Land $179,000 Building $461,000
2024	$3,250.00 (+1.94%)
2023	$3,188.00 (+1.5%) Homeowner's exemption	$297,999 Land $61,563 Building $236,436
2022	$3,141.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3905 Toronto Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 25, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3905 Toronto Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.04% 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 204 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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