Placer County property record for 3950 Loray Ln, Auburn, CA 95602
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,144 sqft · built 1987 |
| Lot Size | 1.2 acres (52,272 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $325,000 (Jul 2009) |
| Tax Bill | $4,310 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-030-039-000 |
| Primary APN | 051-030-039-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,144 sqft Living Area |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Construction Type | Wood |
| Lot Area | 52,272 sqft |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3950 LORAY LN |
|---|---|
| City | AUBURN |
| State | CA |
| Zip | 95602-9509 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSAGB43 |
| Legal Description | 1.2 AC PAR A PMOR 17 55 |
| Legal Subdivision | PARCEL MAP NO 73691 |
| Jurisdiction | PLACER CA |
| Township / Civil Division | AUBURN |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 21603 |
Source: Placer County records, as of July 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3950 LORAY LN, AUBURN, CA 95602-9509 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 20, 2009 · Amount on Record |
| Deed Sale | Jul 20, 2009 · Amount on Record |
| Prior Sale | Apr 30, 2004 · Amount on Record |
| Deed Document Number | 200963318 |
| Prior Transfer Date | Apr 27, 2004 |
| Prior Transfer Doc | 0000140428 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PLACER CA |
| Property Address | 3950 LORAY LN, AUBURN, CA 95602-9509 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2021 |
| Title Company | BOSTON NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 3950 LORAY LN, AUBURN, CA 95602-9509 |
| Document Number | 0000084415 |
|---|---|
| Date | Jun 30, 2021 |
| Instrument | 2021-0084415 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | FORT WORTH, TX 76155 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 1, 2036 |
Source: Placer County assessment roll, as of July 13, 2026
| Type | Name |
|---|---|
| State | California |
| County | Placer County |
| Elementary School District | Auburn Union Elementary School District (KG - 08) |
| Secondary School District | Placer Union High School District (09 - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $427,890 (+2%) Land $197,488 Building $230,402 | |
| 2025 | $4,310.00 (+0.82%) Homeowner's exemption | $419,501 (+4.04%) Land $193,616 Building $225,885 |
| 2023 | $4,275.00 (+0.56%) Homeowner's exemption | $403,213 Land $186,099 Building $217,114 |
| 2022 | $4,251.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Dec 2016 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 68% of the US · above 43% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NEVADA ID - NORTH AUBURN serves 6,870 people · EPA ID CA3110026 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2025 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 163 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 |
| SmarterBroadband Fixed Wireless | 100 / 25 |
| Cal.net Fixed Wireless | 100 / 20 |
May also be available: AT&T, Verizon.
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