4381 Kruk Trl, Placerville, CA 95667 Property Records

El Dorado County property record for 4381 Kruk Trl, Placerville, CA 95667

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 2,336 sqft · built 1979
Lot Size	5 acres (217,800 sqft)
Owner	Trust Name on File
Last Sale	$168,000 (Apr 1999)
Tax Bill	$3,024 (2025)
Deeds & Mortgages	Mar 2019 Mortgage Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`078-080-018-000`

Property Details

APN / Parcel Number

Primary APN	`078-080-018-000`
Alternative APNs	`07808018100` `0780801810`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,336 sqft Living Area
1st Floor Area	2,336 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Construction Type	Wood
Lot Area	217,800 sqft
Terrain	Wooded
Patio Area	2,336 sqft

Utilities, Heating & Cooling

Water Source	Well

Location & Zoning

Street Address	4381 KRUK TRL
City	PLACERVILLE
State	CA
Zip	95667-9276
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RE5
Legal Description	PM 18/130/2
Legal Subdivision	PARCEL MAP
Jurisdiction	EL DORADO CA
Township / Civil Division	SOUTH EL DORADO
Census Block Group	2
Census Block	2000
Census Tract	31404

Owner

4381 Kruk Trl, a rural home, is owner-occupied and held in a trust since May 2006.

Source: El Dorado County records, as of September 16, 2026

Owner of Record	Trust Name on File
Mailing Address	4381 KRUK TRL, PLACERVILLE, CA 95667-9276
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Mar 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jul 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Mar 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Oct 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROUNDPOINT MORTGAGE SERVICING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 1999 · Amount on File
Deed Sale	Apr 29, 1999 · Amount on File
Prior Sale	May 4, 1994 · Amount on File
Deed Document Number	199927405
Last Transfer Date	May 22, 2006
Transfer Doc	0000035691
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4381 KRUK TRL, PLACERVILLE, CA 95667-9276
Transaction Type	Mortgage
Record Updated	Jul 19, 2022
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007702
Date	Mar 8, 2019
Instrument	2019-0007702

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4381 KRUK TRL, PLACERVILLE, CA 95667-9276
Transaction Type	Mortgage
Record Updated	Jul 19, 2022
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029981
Date	Jul 30, 2019
Instrument	2019-0029981

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4381 KRUK TRL, PLACERVILLE, CA 95667-9276
Transaction Type	Mortgage
Record Updated	Jul 19, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4381 KRUK TRL, PLACERVILLE, CA 95667-9276

Mortgage

Document Number	0000014723
Date	Mar 3, 2021
Instrument	2021-0014723

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

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

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4381 KRUK TRL, PLACERVILLE, CA 95667-9276
Transaction Type	Mortgage
Record Updated	Jul 19, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4381 KRUK TRL, PLACERVILLE, CA 95667-9276

Mortgage

Document Number	0000065017
Date	Oct 14, 2021
Instrument	2021-0065017

Lender

Name	ROUNDPOINT MORTGAGE SERVICING CORP
Type	Mortgage Company
Address	FORT MILL, SC 29715

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 4381 Kruk Trl was $3,024 with a homeowner's exemption.

Source: El Dorado County assessment roll, as of September 16, 2026

Property Jurisdictions

Type	Name
State	California
County	El Dorado County
Secondary School District	El Dorado Union High School District (09 - 12)
Elementary School District	Gold Oak Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$289,933 (+2%) Land $103,921 Building $186,012
2025	$3,024.00 Homeowner's exemption	$284,249 Land $101,884 Building $182,365
2023	$2,902.00 (+1.54%) Homeowner's exemption	$273,214 Land $97,929 Building $175,285
2022	$2,858.00

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

Flood

FEMA maps place 4381 Kruk Trl in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 25, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 4381 Kruk Trl is very high, ranking above 94% of the US, with a 2% annual chance of wildfire.

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

Wildfire Risk	Very High above 94% of the US · above 79% of California
Wildfire Likelihood	2% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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	EL DORADO ID - MAIN serves 128,408 people · EPA ID CA0910001
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2024–2026) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Rocky Ridge Wireless.

Cell Coverage

5G and 4G LTE (outdoors only)

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