425 M St, Lincoln, CA 95648 Property Records

Placer County property record for 425 M St, Lincoln, CA 95648

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,508 sqft · built 1966
Lot Size	0.181 acres (7,897 sqft)
Owner	2 Individual Names on File
Last Sale	$234,000 (Sep 2013)
Tax Bill	$3,019 (2025)
Deeds & Mortgages	Aug 2019 Second Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`008-066-014-000`

Property Details

APN / Parcel Number

Primary APN	`008-066-014-000`
Alternative APN	`008-066-014`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,508 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Bungalow
Construction Type	Frame
Lot Area	7,897 sqft (0.181 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	008-066-014
Street Address	425 M ST
City	LINCOLN
State	CA
Zip	95648-1637
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FR L 10 11 BLK 10 WESTERN ADD
Legal Subdivision	WESTERN ADD
Legal Block	10
Legal Lot Number	10
Jurisdiction	PLACER CA
Township / Civil Division	LINCOLN
Census Block Group	2
Census Block	2020
Census Tract	21403

Owner

425 M St is owned and occupied by two individuals who bought it in September 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	425 M ST, LINCOLN, CA 95648-1637
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
Aug 19, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SHOOLS FINANCIAL CU
Dec 6, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage WESTCOAST MORTGAGE GROUP & REALTY C

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2013 · Amount on File
Deed Sale	Sep 12, 2013 · Amount on File
Deed Document Number	201389960
Prior Transfer Date	Sep 5, 2013
Prior Transfer Doc	0000089958
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	425 M ST, LINCOLN, CA 95648-1637
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060360
Date	Aug 19, 2019
Instrument	2019-0060360

Lender

Name	SHOOLS FINANCIAL CU
Type	Non-Lending Institution
Address	SACRAMENTO, CA 95815

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 15, 2034

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PLACER CA
Recording Date	Dec 6, 2017
Property Address	425 M ST, LINCOLN, CA 95648-1637
Document Number	0000096878
Instrument Date	Nov 30, 2017
Instrument	2017-0096878
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	FIRST AMERICAN 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	Joint Tenants
Address	425 M ST, LINCOLN, CA 95648-1637

Mortgage

Document Number	0000096879
Date	Dec 6, 2017
Instrument	2017-0096879

Lender

Name	WESTCOAST MORTGAGE GROUP & REALTY C
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 425 M St was $3,019.

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		$292,575 (+2%) Land $75,015 Building $217,560
2025	$3,019.00	$286,840 Land $73,545 Building $213,295
2023	$2,949.00 (+1.51%)	$275,703 Land $70,690 Building $205,013
2022	$2,905.00

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

Flood

FEMA maps place 425 M St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1995.

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
Nearby Flood Claims	1 (1995)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1995 · Severe Winter Storms, Flooding, Landslides, Mud Flows

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 425 M St is low, with a 0.01% annual chance of 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	0.01% 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 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 494 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Fidium Fiber Fiber	2,000 / 2,000
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fixed Wireless	300 / 20
Corridor Wireless Fixed Wireless	100 / 100
Cal.net Fixed Wireless	100 / 20

May also be available: Zeta Broadband.

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