428 River St, Lincoln, CA 95648 Property Records

Placer County property record for 428 River St, Lincoln, CA 95648

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,953 sqft · built 2020
Owner	Individual Name on Record
Last Sale	$520,500 (Aug 2020)
Tax Bill	$6,649 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`329-170-029-000`

Property Details

APN / Parcel Number

Primary APN	`329-170-029-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,953 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Wood
Garage Area	470 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	428 RIVER ST
City	LINCOLN
State	CA
Zip	95648-7625
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 189 TWELVE BRIDGES VILLAGE 2C MOR EE-53
Legal Subdivision	TWELVE BRIDGES VILL
Legal Lot Number	189
Jurisdiction	PLACER CA
Township / Civil Division	LINCOLN
Census Block Group	3
Census Block	3007
Census Tract	23502

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	428 RIVER ST, LINCOLN, CA 95648-7625
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Aug 31, 2020	Grant Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2020 · Amount on Record
Deed Sale	Aug 31, 2020 · Amount on Record
Deed Document Number	202093990
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	428 RIVER ST, LINCOLN, CA 95648-7625
Transaction Type	Mortgage
Record Updated	May 10, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 RIVER ST, LINCOLN, CA 95648-7625

Mortgage

Document Number	0000035446
Date	Apr 25, 2022
Instrument	2022-0035446

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 24, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PLACER CA
Recording Date	Aug 31, 2020
Property Address	428 RIVER ST, LINCOLN, CA 95648-7625
Document Number	0000093990
Map Reference	MB EE PG 53
Instrument Date	Aug 13, 2020
Instrument	2020-0093990
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	STEWART TITLE OF PLACER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 RIVER ST, LINCOLN, CA 95648-7625

Mortgage

Document Number	0000093991
Date	Aug 31, 2020
Instrument	2020-0093991

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

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		$574,219 (+2%) Land $138,010 Building $436,209
2025	$6,649.00 (-0.78%) Homeowner's exemption	$562,960 (+4.04%) Land $135,304 Building $427,656
2023	$6,701.00 (+1.62%) Homeowner's exemption	$541,100 Land $130,050 Building $411,050
2022	$6,594.00

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

Flood

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

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	Low lower than 80% of the US · lower than 88% 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 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 717 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 · Fiber in parts of the area	1,500 / 50
Corridor Wireless Fixed Wireless	100 / 100
Cal.net Fixed Wireless	100 / 20

May also be available: DigitalPath, Verizon, Zeta Broadband.

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