Placer County property record for 404 River St, Lincoln, CA 95648
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,953 sqft · built 2020 |
| Owner | 2 Individual Names on Record |
| Last Sale | $519,000 (Jun 2020) |
| Tax Bill | $6,768 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage Jun 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 329-170-027-000 |
| Primary APN | 329-170-027-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 1,953 sqft Living Area |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Construction Type | Wood |
| Garage Area | 470 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 404 RIVER ST |
|---|---|
| City | LINCOLN |
| State | CA |
| Zip | 95648-7625 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 187 TWELVE BRIDGES VILLAGE 2C MOR EE-53 |
| Legal Subdivision | TWELVE BRIDGES VILL |
| Legal Lot Number | 187 |
| Jurisdiction | PLACER CA |
| Township / Civil Division | LINCOLN |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 23502 |
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 | 404 RIVER ST, LINCOLN, CA 95648-7625 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 3, 2022 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jun 8, 2020 | Grant Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 8, 2020 · Amount on Record |
| Deed Sale | Jun 8, 2020 · Amount on Record |
| Deed Document Number | 202054431 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PLACER CA |
| Property Address | 404 RIVER ST, LINCOLN, CA 95648-7625 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2022 |
| Name | Verified Name |
|---|---|
| Address | 404 RIVER ST, LINCOLN, CA 95648-7625 |
| Document Number | 0000046401 |
|---|---|
| Date | Jun 3, 2022 |
| Instrument | 2022-0046401 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | PLACER CA |
| Recording Date | Jun 8, 2020 |
| Property Address | 404 RIVER ST, LINCOLN, CA 95648-7625 |
| Document Number | 0000054431 |
| Map Reference | MB EE MAP 53 |
| Instrument Date | Jun 2, 2020 |
| Instrument | 2020-0054431 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2022 |
| Title Company | STEWART TITLE OF SACRAMENTO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 404 RIVER ST, LINCOLN, CA 95648-7625 |
| Document Number | 0000054432 |
|---|---|
| Date | Jun 8, 2020 |
| Instrument | 2020-0054432 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
Source: Placer County assessment roll, as of July 13, 2026
| Type | Name |
|---|---|
| State | California |
| County | Placer County |
| Municipality | Lincoln City |
| Unified School District | Western Placer Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $578,426 (+2%) Land $139,437 Building $438,989 | |
| 2025 | $6,768.00 (-0.76%) | $567,085 (+4.04%) Land $136,703 Building $430,382 |
| 2023 | $6,820.00 (+1.64%) | $545,067 Land $131,396 Building $413,671 |
| 2022 | $6,710.00 |
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 |
| Nearby Flood Policies | 2 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.
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 | None beyond ember reach |
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 | 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 |
| 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 717 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Astound Broadband Cable · Fiber in parts of the area | 1,500 / 50 |
| Corridor Wireless Fixed Wireless | 100 / 100 |
| Cal.net Fixed Wireless | 100 / 20 |
May also be available: DigitalPath, Verizon, Zeta Broadband.
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