415 Cottage Cir, Winters, CA 95694 Property Records

Yolo County property record for 415 Cottage Cir, Winters, CA 95694

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,323 sqft · built 2004
Lot Size	0.06 acres (2,613 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Sep 2015)
Tax Bill	$4,278 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`030-391-019-000`

Property Details

APN / Parcel Number

Primary APN	`030-391-019-000`
Alternative APN	`030391191`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,323 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	2,613 sqft (0.06 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	415 COTTAGE CIR
City	WINTERS
State	CA
Zip	95694-1681
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-R
Legal Description	LEGAL DESC 12-0017941 6/7/12
Legal Subdivision	CARTER RANCH
Legal Lot Number	11
Jurisdiction	YOLO CA
Township / Civil Division	WINTERS
Census Block Group	3
Census Block	3005
Census Tract	11302

Owner

Source: Yolo County records, as of August 5, 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	415 COTTAGE CIR, WINTERS, CA 95694-1681
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Deed of Trust, Mortgage · Line of Credit THE GOLDEN 1 CU
May 26, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage THE GOLDEN 1 CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2015 · Amount on Record
Deed Sale	Sep 15, 2015 · Amount on Record
Prior Sale	Jun 7, 2012 · Amount on Record
Deed Document Number	201525974
Last Transfer Date	May 19, 2021
Transfer Doc	0000020750
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YOLO CA
Property Address	415 COTTAGE CIR, WINTERS, CA 95694-1681
Transaction Type	Mortgage
Record Updated	Mar 10, 2026
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 COTTAGE CIR, WINTERS, CA 95694-1681

Mortgage

Document Number	0000003084
Date	Feb 26, 2026
Instrument	2026-0003084

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	YOLO CA
Recording Date	May 26, 2021
Property Address	415 COTTAGE CIR, WINTERS, CA 95694-1681
Document Number	0000020750
Map Reference	MB 2004 PG 42&43
Instrument Date	May 19, 2021
Instrument	2021-0020750
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	PLACER 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	415 COTTAGE CIR, WINTERS, CA 95694-1681

Mortgage

Document Number	0000020751
Date	May 26, 2021
Instrument	2021-0020751

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

Source: Yolo County assessment roll, as of August 5, 2026

Property Jurisdictions

Type	Name
State	California
County	Yolo County
Municipality	Winters City
Unified School District	Winters Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$344,120 (+2%) Land $60,369 Building $283,751
2025	$4,278.00 (+6.47%)	$337,374 (+4.04%) Land $59,186 Building $278,188
2023	$4,018.00 (+1.77%)	$324,276 Land $56,889 Building $267,387
2022	$3,948.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 11, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2019 · rainfall accumulation

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	High above 74% of the US · above 50% of California
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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 WINTERS serves 7,115 people · EPA ID CA5710005
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2021–2023) 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 620 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	1,500 / 50
unWired Broadband Fixed Wireless	400 / 50
DigitalPath Fixed Wireless	200 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: Esparto Broadband, Verizon.

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