4085 Cold Stream Rd, Auburn, CA 95602 Property Records

Placer County property record for 4085 Cold Stream Rd, Auburn, CA 95602

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,650 sqft · built 1993
Lot Size	7.6 acres (331,056 sqft)
Owner	2 Trust Names on File
Last Sale	$1,280,000 (Jul 2025)
Tax Bill	$12,602 (2025)
Deeds & Mortgages	Aug 2026 Sale Jan 2021 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`026-380-019-000`

Property Details

APN / Parcel Number

Primary APN	`026-380-019-000`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,650 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Contemporary
Construction Type	Frame
Lot Area	331,056 sqft
Garage Area	794 sqft
Parking Spaces	3 Parking Spaces
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4085 COLD STREAM RD
City	AUBURN
State	CA
Zip	95602-9751
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FBX
Legal Description	7.6 AC L 23 COLD STREAM RANCH
Legal Subdivision	COLD STREAM RANCH
Legal Lot Number	23
Jurisdiction	PLACER CA
Township / Civil Division	AUBURN
Census Block Group	1
Census Block	1014
Census Tract	21604

Owner

4085 Cold Stream Rd is owner-occupied and held in a trust since July 2025.

Source: Placer County records, as of September 2, 2026

Owner of Record	2 Trust Names on File
Mailing Address	4085 COLD STREAM RD, AUBURN, CA 95602-9751
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Aug 24, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Jan 21, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Nov 5, 2020	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Nov 5, 2020	Grant Deed, Transfer CHICAGO TITLE COMPANY
Jan 24, 2020	Quit Claim Deed, Transfer MARIGOLD EQUITY LLC
Dec 13, 2019	Trustee's Deed, Foreclosure OTHER
Feb 2, 2018	Deed of Trust, Mortgage · Conventional Mortgage ANSEL GAYLE
Feb 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS INS CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2025 · Amount on File
Deed Sale	Jul 1, 2025 · Amount on File
Prior Sale	Nov 5, 2020 · Amount on File
Deed Document Number	202535386
Prior Transfer Date	Nov 26, 2002
Prior Transfer Doc	0000155116
Record Updated	Oct 29, 2026

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PLACER CA
Recording Date	Aug 24, 2026
Property Address	4085 COLD STREAM RD, AUBURN, CA 95602-9751
Document Number	0000048759
Instrument Date	Aug 22, 2026
Instrument	202648759
Transaction Type	Transfer
Record Updated	Sep 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4085 COLD STREAM RD, AUBURN, CA 95602-9751

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PLACER CA
Recording Date	Jan 21, 2021
Property Address	4085 COLD STREAM RD, AUBURN, CA 95602-9751
Document Number	0000008634
Map Reference	MB L PG 53
Instrument Date	Jan 14, 2021
Instrument	2021-0008634
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	4085 COLD STREAM RD, AUBURN, CA 95602-9751

Mortgage

Document Number	0000008635
Date	Jan 21, 2021
Instrument	2021-0008635

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

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

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PLACER CA
Recording Date	Nov 5, 2020
Property Address	4085 COLD STREAM RD, AUBURN, CA 95602-9751
Document Number	0000127148
Instrument Date	Nov 3, 2020
Instrument	127148
Transaction Type	Transfer
Record Updated	Nov 25, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	4085 COLD STREAM RD AUBURN CA 956029751, AUBURN, CA 95602-9751

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PLACER CA
Recording Date	Nov 5, 2020
Property Address	4085 COLD STREAM RD, AUBURN, CA 95602-9751
Document Number	0000127147
Map Reference	MB L PG 53
Instrument Date	Oct 27, 2020
Instrument	2020-0127147
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4085 COLD STREAM RD, AUBURN, CA 95602-9751

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PLACER CA
Recording Date	Jan 24, 2020
Property Address	4085 COLD STREAM RD, AUBURN, CA 95602-9751
Document Number	0000006428
Instrument Date	Jan 22, 2020
Instrument	6428
Transaction Type	Transfer
Record Updated	Feb 10, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3300 SUNDANCE TRL PLACERVILLE CA 956678601, PLACERVILLE, CA 95667-8601

Mortgage

Document Number	6429
Date	Jan 24, 2020
Instrument	6429

Lender

Name	MARIGOLD EQUITY LLC
Address	20525 NORDHOFF ST # 116, CHATSWORTH, CA 91311-6115

Agreement

Amount	Amount on Record

December 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	PLACER CA
Recording Date	Dec 13, 2019
Property Address	4085 COLD STREAM RD, AUBURN, CA 95602-9751
Document Number	0000101281
Instrument Date	Dec 4, 2019
Instrument	101281
Transaction Type	Foreclosure
Record Updated	Dec 31, 2019
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$605.00
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	4085 COLD STREAM RD, AUBURN, CA 95602-9751
Document Number	0000008550
Instrument Date	Feb 2, 2018
Transaction Type	Mortgage
Record Updated	Mar 1, 2018
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4085 COLD STREAM RD AUBURN CA 956029751, AUBURN, CA 95602-9751

Mortgage

Document Number	0000008550
Date	Feb 9, 2018
Instrument	8550

Lender

Name	ANSEL GAYLE
Address	9260 ALCOSTA BLVD # C16, SAN RAMON, CA 94583-4143

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Feb 8, 2028

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	4085 COLD STREAM RD, AUBURN, CA 95602-9751
Document Number	0000013942
Instrument Date	Feb 22, 2017
Transaction Type	Mortgage
Record Updated	Mar 9, 2017
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4085 COLD STREAM RD AUBURN CA 956029751, AUBURN, CA 95602-9751

Mortgage

Document Number	0000013942
Date	Feb 27, 2017
Instrument	13942

Lender

Name	MISCELLANEOUS INS CO
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	Feb 26, 2020

Tax Assessment & Valuation

The 2025 property tax bill for 4085 Cold Stream Rd was $12,602.

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

Property Jurisdictions

Type	Name
State	California
County	Placer County
Elementary School District	Auburn Union Elementary School District (KG - 08)
Secondary School District	Placer Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,280,000 (+4.19%) Land $500,000 Building $780,000
2025	$12,602.00 Homeowner's exemption	$1,228,559 Land $330,141 Building $898,418
2023	$12,126.00 (-2.52%) Homeowner's exemption	$1,145,000 Land $307,700 Building $837,300
2022	$12,439.00

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

Flood

FEMA maps place 4085 Cold Stream Rd in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 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 4085 Cold Stream Rd is high, ranking above 88% of the US, with a 0.8% annual chance of wildfire.

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

Wildfire Risk	High above 88% of the US · above 69% of California
Wildfire Likelihood	0.8% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zeta Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20
Skyhi Broadband Fixed Wireless	60 / 30

May also be available: Astound Broadband, AT&T, Verizon.

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