4020 Panadero Dr, Shingle Springs, CA 95682 Property Records

El Dorado County property record for 4020 Panadero Dr, Shingle Springs, CA 95682

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,888 sqft · built 1962
Lot Size	0.91 acres (39,640 sqft)
Owner	Individual Name on File
Last Sale	$670,000 (Jun 2026)
Tax Bill	$2,621 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Mar 2026 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`070-240-031-000`

Property Details

APN / Parcel Number

Primary APN	`070-240-031-000`
Alternative APNs	`07024031100` `0702403110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,888 sqft Living Area
1st Floor Area	1,888 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Construction Type	Wood
Lot Area	39,640 sqft (0.91 acres)
Terrain	Wooded
View / Lot	Average
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Patio Area	1,888 sqft

Utilities, Heating & Cooling

Water Source	Commercial

Location & Zoning

Street Address	4020 PANADERO DR
City	SHINGLE SPRINGS
State	CA
Zip	95682-8747
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE
Legal Description	SEC 1 9 9
Jurisdiction	EL DORADO CA
Township / Civil Division	SOUTH EL DORADO
Census Block Group	2
Census Block	2027
Census Tract	30812

Owner

4020 Panadero Dr is owned and occupied by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	4020 PANADERO DR, SHINGLE SPRINGS, CA 95682-8747
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jun 26, 2026	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORPORATION
Mar 4, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jan 29, 2021	Deed of Trust, Mortgage · VA Mortgage GUILD MORTGAGE CO
Oct 8, 2019	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MTG
Jan 29, 2018	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2026 · Amount on File
Deed Sale	Jun 26, 2026 · Amount on File
Prior Sale	Mar 18, 2003 · Amount on File
Deed Document Number	202621038
Prior Transfer Date	Jun 6, 1996
Prior Transfer Doc	0000029899
Record Updated	Oct 29, 2026

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Jun 26, 2026
Property Address	4020 PANADERO DR, SHINGLE SPRINGS, CA 95682-8747
Document Number	0000021038
Instrument Date	Jun 23, 2026
Instrument	202621038
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$74,437.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4020 PANADERO DR, SHINGLE SPRINGS, CA 95682-8747

Mortgage

Document Number	0000021039,
Date	Jun 26, 2026
Instrument	202621039

Lender

Name	AMERICAN PACIFIC MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4020 PANADERO DR, SHINGLE SPRINGS, CA 95682-8747
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4020 PANADERO DR, CAMERON PARK, CA 95682-8747

Mortgage

Document Number	0000007168
Date	Mar 4, 2026
Instrument	2026-0007168

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Feb 10, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4020 PANADERO DR, SHINGLE SPRINGS, CA 95682-8747
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4020 PANADERO DR, CAMERON PARK, CA 95682-8747

Mortgage

Document Number	0000006420
Date	Jan 29, 2021
Instrument	2021-0006420

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Oct 8, 2019
Property Address	4020 PANADERO DR, SHINGLE SPRINGS, CA 95682-8747
Document Number	0000042586
Instrument Date	Oct 4, 2019
Instrument	42586
Transaction Type	Transfer
Record Updated	Oct 23, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$504.90
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 562 SHINGLE SPRINGS CA 956820562, SHINGLE SPRINGS, CA 95682-0562

Mortgage

Document Number	42587
Date	Oct 8, 2019
Instrument	42587

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 7, 2049

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EL DORADO CA
Recording Date	Jan 29, 2018
Property Address	4020 PANADERO DR, SHINGLE SPRINGS, CA 95682-8747
Document Number	0000003253
Instrument Date	Jan 26, 2018
Instrument	3253
Transaction Type	Transfer
Record Updated	Jun 11, 2019
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	Personal Trust
Address	4020 PANADERO DR SHINGLE SPRINGS CA 956828747, SHINGLE SPRINGS, CA 95682-8747

Tax Assessment & Valuation

The 2025 property tax bill for 4020 Panadero Dr was $2,621, down 2% 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		$517,025 (+23.99%) Land $192,034 Building $324,991
2025	$2,621.00 (-2.02%) Veteran's exemption	$417,000 Land $155,000 Building $262,000
2024	$2,675.00 (-3.25%)
2023	$2,765.00 (-4.46%) Disabled Person's exemption Veteran's exemption	$417,000 Land $155,000 Building $262,000
2022	$2,894.00

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

Flood

FEMA maps place 4020 Panadero Dr 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 4020 Panadero Dr is moderate, ranking above 56% of the US, with a 0.09% 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	0.09% annual chance
Exposure	None beyond 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	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 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: GeoLinks, Zeta Broadband.

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