400 Flora Ct, Lincoln, CA 95648 Property Records

Placer County property record for 400 Flora Ct, Lincoln, CA 95648

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,500 sqft · built 2010
Lot Size	0.18 acres (7,845 sqft)
Owner	2 Individual Names on File
Last Sale	$636,000 (May 2021)
Tax Bill	$8,813 (2025)
Deeds & Mortgages	Sep 2026 Mortgage May 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`009-170-015-000`

Property Details

APN / Parcel Number

Primary APN	`009-170-015-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,500 sqft Living Area

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Bungalow
Construction Type	Frame
Lot Area	7,845 sqft (0.18 acres)
Garage Area	491 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Above-Ground Pool

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	400 FLORA CT
City	LINCOLN
State	CA
Zip	95648-2973
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 41 SORRENTO - VILLAGE 1 MOR AA-18
Legal Subdivision	SORRENTO VILLAGE 1
Legal Lot Number	41
Jurisdiction	PLACER CA
Township / Civil Division	LINCOLN
Census Block Group	2
Census Block	2017
Census Tract	23300

Owner

400 Flora Ct is owned and occupied by two individuals who bought it in May 2021.

Source: Placer County records, as of September 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	400 FLORA CT, LINCOLN, CA 95648-2973
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage PACIFIC SERVICE CREDIT UNION
May 21, 2021	Grant Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB
May 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUN WEST MORTGAGE COMPANY INC
Aug 13, 2018	Deed of Trust, Mortgage · Line of Credit TRI COUNTIES BANK
Jun 18, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2021 · Amount on File
Deed Sale	May 21, 2021 · Amount on File
Prior Sale	Aug 31, 2015 · Amount on File
Deed Document Number	202168564
Prior Transfer Date	Jun 18, 2018
Prior Transfer Doc	0000043211
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Recording Date	Sep 2, 2026
Property Address	400 FLORA CT, LINCOLN, CA 95648-2973
Document Number	0000050656
Instrument Date	Aug 28, 2026
Instrument	202650656
Transaction Type	Mortgage
Record Updated	Sep 16, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	400 FLORA CT, LINCOLN, CA 95648-2973

Mortgage

Document Number	0000050656,
Date	Sep 2, 2026
Instrument	202650656

Lender

Name	PACIFIC SERVICE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Max Rate	-1%

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PLACER CA
Recording Date	May 21, 2021
Property Address	400 FLORA CT, LINCOLN, CA 95648-2973
Document Number	0000068564
Map Reference	MB AA PG 18
Instrument Date	May 18, 2021
Instrument	2021-0068564
Transaction Type	Transfer
Record Updated	Jun 4, 2021
Title Company	STEWART TITLE, STEWART TITLE OF PLACER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	400 FLORA CT, LINCOLN, CA 95648-2973

Mortgage

Document Number	0000068565
Date	May 21, 2021
Instrument	2021-0068565

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	400 FLORA CT, LINCOLN, CA 95648-2973
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046778
Date	May 20, 2020
Instrument	2020-0046778

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

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

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	400 FLORA CT, LINCOLN, CA 95648-2973
Document Number	0000060035
Instrument Date	Aug 13, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 FLORA CT LINCOLN CA 956482973, LINCOLN, CA 95648-2973

Mortgage

Document Number	0000060035
Date	Aug 20, 2018
Instrument	60035

Lender

Name	TRI COUNTIES BANK
Type	Bank
Address	ROSEVILLE, CA 95661

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PLACER CA
Recording Date	Jun 18, 2018
Property Address	400 FLORA CT, LINCOLN, CA 95648-2973
Document Number	0000043211
Map Reference	MB AA PG18
Instrument Date	Jun 18, 2018
Instrument	2018-0043211
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	PLACER TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 FLORA CT, LINCOLN, CA 95648-2973

Mortgage

Document Number	0000043212
Date	Jun 18, 2018
Instrument	2018-0043212

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 400 Flora Ct was $8,813.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$623,000 (-3.11%) Land $161,600 Building $461,400
2025	$8,813.00	$643,000 Land $166,800 Building $476,200
2023	$9,073.00 (+1.68%)	$661,694 Land $171,666 Building $490,028
2022	$8,923.00

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

Flood

FEMA maps place 400 Flora Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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 400 Flora Ct is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach

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	CITY OF LINCOLN serves 56,268 people · EPA ID CA3110004
Water Source	Purchased surface water from PLACER CWA - FOOTHILL
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2025–2027) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 549 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Succeed.Net Fiber	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
Corridor Wireless Fixed Wireless	100 / 100
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Zeta Broadband.

Nearby Properties on Flora Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures