405 Richardson St, Grass Valley, CA 95945 Property Records

Nevada County property record for 405 Richardson St, Grass Valley, CA 95945

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 726 sqft · built 1896
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on File
Last Sale	$155,000 (Dec 2014)
Tax Bill	$2,084 (2025)
Deeds & Mortgages	Mar 2022 Reverse Mortgage Oct 2019 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`008-332-006-000`

Property Details

APN / Parcel Number

Primary APN	`008-332-006-000`
Alternative APN	`08-332-06-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	726 sqft Living Area
1st Floor Area	726 sqft

Exterior

Year Built	Built 1896
Effective Year Built	Effective 1990
Architectural Style	Traditional
Lot Area	2,178 sqft (0.05 acres)
View / Lot	Average
Porch	Porch
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil
Sewer	Connected
Water Source	Commercial

Location & Zoning

Old Parcel Number	08-332-06-000
Street Address	405 RICHARDSON ST
City	GRASS VALLEY
State	CA
Zip	95945-6114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PTN LTS B & F HENDERSON SUB
Legal Subdivision	HENDERSON SUB
Legal Block	11
Legal Lot Number	B,F
Jurisdiction	NEVADA CA
Township / Civil Division	GRASS VALLEY
Census Block Group	1
Census Block	1008
Census Tract	504

Owner

405 Richardson St is owned and occupied by two individuals who bought it in December 2014.

Source: Nevada County records, as of July 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	405 RICHARDSON ST, GRASS VALLEY, CA 95945-6114
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
Mar 2, 2022	Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC
Oct 1, 2019	Deed of Trust, Mortgage · Reverse Mortgage ONE REVERSE MORTGAGE LLC
Sep 20, 2019	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2014 · Amount on File
Deed Sale	Dec 17, 2014 · Amount on File
Prior Sale	Dec 20, 2006 · Amount on File
Deed Document Number	201424700
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEVADA CA
Property Address	405 RICHARDSON ST, GRASS VALLEY, CA 95945-6114
Transaction Type	Mortgage
Record Updated	Mar 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 RICHARDSON ST, GRASS VALLEY, CA 95945-6114

Mortgage

Document Number	0000004824
Date	Mar 2, 2022
Instrument	20220004824

Lender

Name	LONGBRIDGE FINANCIAL LLC
Type	Reverse Mortgage Lender
Address	MAHWAH, NJ 07495

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.06%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	8.06%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEVADA CA
Property Address	405 RICHARDSON ST, GRASS VALLEY, CA 95945-6114
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019206
Date	Oct 1, 2019
Instrument	20190019206

Lender

Name	ONE REVERSE MORTGAGE LLC
Type	Reverse Mortgage Lender
Address	SAN DIEGO, CA 92121

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.79%
Type Change Date	Oct 1, 2020
Change Frequency	Annually
Index	1-Year LIBOR

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEVADA CA
Property Address	405 RICHARDSON ST, GRASS VALLEY, CA 95945-6114
Document Number	0000019207
Instrument Date	Sep 20, 2019
Transaction Type	Mortgage
Record Updated	Mar 6, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	405 RICHARDSON ST GRASS VALLEY CA 959456114, GRASS VALLEY, CA 95945-6114

Mortgage

Document Number	0000019207
Date	Oct 1, 2019
Instrument	19207

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	984 Months

Interest

Rate Type	Adjustable Rate
Rate	3.79%

Tax Assessment & Valuation

The 2025 property tax bill for 405 Richardson St was $2,084.

Source: Nevada County assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	California
County	Nevada County
Municipality	Grass Valley City
Elementary School District	Grass Valley Elementary School District (KG - 08)
Secondary School District	Nevada Joint Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$189,999 (+2%) Land $73,548 Building $116,451
2025	$2,084.00	$186,274 Land $72,106 Building $114,168
2023	$1,993.00 (+0.91%)	$179,043 Land $69,307 Building $109,736	$267,930
2022	$1,975.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 405 Richardson St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 20, 2024

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 405 Richardson St 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 67% of the US · lower than 81% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF GRASS VALLEY serves 4,947 people · EPA ID CA2910001
Water Source	Surface water
Last State Inspection	Nov 2024
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 496 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
SmarterBroadband Fixed Wireless	100 / 25

May also be available: AT&T, DigitalPath, GeoLinks, T-Mobile.

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