405 Flora Ct, Lincoln, CA 95648 Property Records

Placer County property record for 405 Flora Ct, Lincoln, CA 95648

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,500 sqft · built 2010
Lot Size	0.157 acres (6,846 sqft)
Owner	2 Individual Names on Record
Last Sale	$699,000 (Dec 2021)
Tax Bill	$11,014 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`009-170-007-000`

Property Details

APN / Parcel Number

Primary APN	`009-170-007-000`

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	6,846 sqft (0.157 acres)
Garage Area	491 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	405 FLORA CT
City	LINCOLN
State	CA
Zip	95648-2973
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 33 SORRENTO - VILLAGE 1 MOR AA-18
Legal Subdivision	SORRENTO VILLAGE 1
Legal Lot Number	33
Jurisdiction	PLACER CA
Township / Civil Division	LINCOLN
Census Block Group	2
Census Block	2017
Census Tract	23300

Owner

Source: Placer County records, as of July 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	405 FLORA CT, LINCOLN, CA 95648-2973
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Dec 23, 2021	Grant Deed, Transfer · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC
Sep 29, 2020	Grant Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2021 · Amount on Record
Deed Sale	Dec 23, 2021 · Amount on Record
Prior Sale	Sep 29, 2020 · Amount on Record
Deed Document Number	2021154889
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	405 FLORA CT, LINCOLN, CA 95648-2973
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 FLORA CT, LINCOLN, CA 95648-2973

Mortgage

Document Number	0000105405
Date	Aug 19, 2021
Instrument	2021-0105405

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PLACER CA
Recording Date	Dec 23, 2021
Property Address	405 FLORA CT, LINCOLN, CA 95648-2973
Document Number	0000154889
Map Reference	MB AA PG 18
Instrument Date	Dec 22, 2021
Instrument	2021-0154889
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL CO OF CA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	405 FLORA CT, LINCOLN, CA 95648-2973

Mortgage

Document Number	0000154890
Date	Dec 23, 2021
Instrument	2021-0154890

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PLACER CA
Recording Date	Sep 29, 2020
Property Address	405 FLORA CT, LINCOLN, CA 95648-2973
Document Number	0000108460
Map Reference	MB AA MAP 18
Instrument Date	Sep 24, 2020
Instrument	2020-0108460
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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	405 FLORA CT, LINCOLN, CA 95648-2973

Mortgage

Document Number	0000108461
Date	Sep 29, 2020
Instrument	2020-0108461

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

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		$633,000 (-3.06%) Land $148,200 Building $484,800
2025	$11,014.00 (-3.73%)	$653,000 (-6.04%) Land $152,800 Building $500,200
2023	$11,441.00 (+0.14%)	$695,000 Land $162,600 Building $532,400
2022	$11,425.00

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

Flood

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

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.

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