438 Cottage Cir, Winters, CA 95694 Property Records

Yolo County property record for 438 Cottage Cir, Winters, CA 95694

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,806 sqft · built 2022
Lot Size	0.062 acres (2,730 sqft)
Owner	Individual Name on Record
Last Sale	$535,000 (Mar 2022)
Tax Bill	$7,017 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`030-392-019-000`

Property Details

APN / Parcel Number

Primary APN	`030-392-019-000`
Alternative APN	`030-392-029-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,806 sqft Living Area

Exterior

Year Built	Built 2022
Construction Type	Wood
Lot Area	2,730 sqft (0.062 acres)
Garage Type	Attached
Garage Area	217 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	438 COTTAGE CIR
City	WINTERS
State	CA
Zip	95694-1682
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-R
Legal Description	*4723 COTTAGES P 2 L 5 2019 M 85-86 EXC 2022-06756
Jurisdiction	YOLO CA
Township / Civil Division	WINTERS
Census Block Group	3
Census Block	3002
Census Tract	11302

Owner

Source: Yolo County records, as of September 29, 2025

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	438 COTTAGE CIR, WINTERS, CA 95694-1682
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2021	Deed of Trust, Mortgage · Line of Credit CENTRAL VALLEY COMMUNITY BANK
Mar 25, 2022	Grant Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Mar 25, 2022	Intrafamily Transfer, Transfer · Commercial Mortgage CITY OF WINTERS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2022 · Amount on Record
Deed Sale	Mar 25, 2022 · Amount on Record
Prior Sale	Mar 25, 2022 · Amount on Record
Deed Document Number	2022-0007723
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YOLO CA
Property Address	438 COTTAGE CIR, WINTERS, CA 95694-1682
Transaction Type	Mortgage
Record Updated	Aug 17, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017315
Date	Apr 30, 2021
Instrument	2021-0017315

Lender

Name	CENTRAL VALLEY COMMUNITY BANK
Type	Bank
Address	FRESNO, CA 93720

Agreement

Type	Line of Credit
Amount	Amount Recorded

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	YOLO CA
Recording Date	Mar 25, 2022
Property Address	438 COTTAGE CIR, WINTERS, CA 95694-1682
Document Number	0000007723
Map Reference	MB 2019 PG 85&86
Instrument Date	Mar 23, 2022
Instrument	2022-0007723
Transaction Type	Transfer
Record Updated	Aug 17, 2023
Title Company	PLACER TITLE COMPANY

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	438 COTTAGE CIR, WINTERS, CA 95694-1682

Mortgage

Document Number	0000007725
Date	Mar 25, 2022
Instrument	2022-0007725

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	YOLO CA
Recording Date	Mar 25, 2022
Property Address	438 COTTAGE CIR, WINTERS, CA 95694-1682
Document Number	0000007724
Map Reference	MB 2019 PG 85&86
Instrument Date	Mar 15, 2022
Instrument	2022-0007724
Transaction Type	Transfer
Record Updated	Aug 17, 2023
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
Address	438 COTTAGE CIR, WINTERS, CA 95694-1682

Mortgage

Document Number	0000007726
Date	Mar 25, 2022
Instrument	2022-0007726

Lender

Name	CITY OF WINTERS
Type	Government Agency
Address	WINTERS, CA 95694

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Yolo County assessment roll, as of July 1, 2025

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
2025	$7,017.00 (+4.65%)	$567,745 (+4.04%) Land $74,284 Building $493,461
2023	$6,705.00	$545,700 Land $71,400 Building $474,300

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	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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