426 Cottage Cir, Winters, CA 95694 Property Records

Yolo County property record for 426 Cottage Cir, Winters, CA 95694

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,412 sqft · built 2004
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Last Sale	$199,000 (Aug 2013)
Tax Bill	$3,167 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`030-392-008-000`

Property Details

APN / Parcel Number

Primary APN	`030-392-008-000`
Alternative APN	`030392081`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,412 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	2,614 sqft (0.06 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	426 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	4618 COTTAGES AT CARTER RANCH L 25
Legal Subdivision	COTTAGES AT CARTER RANCH
Legal Lot Number	25
Jurisdiction	YOLO CA
Township / Civil Division	WINTERS
Census Block Group	3
Census Block	3002
Census Tract	11302

Owner

426 Cottage Cir is owned by an individual who bought it in August 2013.

Source: Yolo County records, as of August 5, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 1135, WINTERS, CA 95694-1135
Owner Type	Individual

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
Oct 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Nov 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2013 · Amount on File
Deed Sale	Aug 29, 2013 · Amount on File
Prior Sale	Jul 8, 2010 · Amount on File
Deed Document Number	201328995
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YOLO CA
Property Address	426 COTTAGE CIR, WINTERS, CA 95694-1681
Transaction Type	Mortgage
Record Updated	Oct 22, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 COTTAGE CIR, WINTERS, CA 95694-1681

Mortgage

Document Number	0000037633
Date	Oct 5, 2021
Instrument	2021-0037633

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YOLO CA
Property Address	426 COTTAGE CIR, WINTERS, CA 95694-1681
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 COTTAGE CIR, WINTERS, CA 95694-1681

Mortgage

Document Number	0000045678
Date	Dec 23, 2020
Instrument	2020-0045678

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YOLO CA
Property Address	426 COTTAGE CIR, WINTERS, CA 95694-1681
Document Number	0000030939
Instrument Date	Nov 11, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	SPL INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 COTTAGE CIR WINTERS CA 956941681, WINTERS, CA 95694-1681

Mortgage

Document Number	0000030939
Date	Nov 21, 2017
Instrument	30939

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 20, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 426 Cottage Cir was $3,167.

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		$248,812 (+2%) Land $50,009 Building $198,803
2025	$3,167.00	$243,934 Land $49,029 Building $194,905
2023	$2,928.00 (+1.74%)	$234,464 Land $47,126 Building $187,338
2022	$2,878.00

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

Flood

FEMA maps place 426 Cottage Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 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

Wildfire risk around 426 Cottage Cir is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 63% of the US · lower than 61% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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