El Dorado County property record for 4400 Zig Zag Ln, Camino, CA 95709
| Property Type | Rural Home |
|---|---|
| Details | 2 bd · 2 ba · 2,016 sqft · built 1976 |
| Lot Size | 3.68 acres (160,736 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $330,000 (May 2016) |
| Tax Bill | $4,220 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Jun 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 077-091-002-000 |
| Primary APN | 077-091-002-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 2 Rooms |
| Stories | 2 Stories |
| Building Area | 2,016 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Construction Type | Wood |
| Lot Area | 160,736 sqft |
| Terrain | Rolling |
| View / Lot | Average |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 2,016 sqft |
| Street Address | 4400 ZIG ZAG LN |
|---|---|
| City | CAMINO |
| State | CA |
| Zip | 95709-9533 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | RE5 |
| Legal Description | SEC 20 10 12 |
| Legal Subdivision | RANCHO DEL SOL SUBDIVISION |
| Jurisdiction | EL DORADO CA |
| Township / Civil Division | SOUTH EL DORADO |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 31404 |
4400 Zig Zag Ln, a rural home, is owned and occupied by two individuals who bought it in May 2016.
Source: El Dorado County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4400 ZIG ZAG LN, CAMINO, CA 95709-9533 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Aug 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Jun 18, 2019 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Dec 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 12, 2016 · Amount on File |
| Deed Sale | May 12, 2016 · Amount on File |
| Prior Sale | Dec 31, 2013 · Amount on File |
| Deed Document Number | 201620766 |
| Prior Transfer Date | Aug 14, 2007 |
| Prior Transfer Doc | 0000052923 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 4400 ZIG ZAG LN, CAMINO, CA 95709-9533 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2021 |
| Title Company | TITLE CONNECTION, TITLE CONNECT INC |
| Name | Verified Name |
|---|---|
| Address | 4400 ZIG ZAG LN, CAMINO, CA 95709-9533 |
| Document Number | 0000051526 |
|---|---|
| Date | Aug 9, 2021 |
| Instrument | 2021-0051526 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 354 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 4400 ZIG ZAG LN, CAMINO, CA 95709-9533 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SOLIDIFI TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000023384 |
|---|---|
| Date | Jun 18, 2019 |
| Instrument | 2019-0023384 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Apr 17, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 4400 ZIG ZAG LN, CAMINO, CA 95709-9533 |
| Document Number | 0000075533 |
| Instrument Date | Dec 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 4400 ZIG ZAG LN CAMINO CA 957099533, CAMINO, CA 95709-9533 |
| Document Number | 0000075533 |
|---|---|
| Date | Dec 28, 2020 |
| Instrument | 75533 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 27, 2050 |
The 2025 property tax bill for 4400 Zig Zag Ln was $4,220.
Source: El Dorado County assessment roll, as of September 16, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $398,457 (+2%) Land $96,592 Building $301,865 | |
| 2025 | $4,220.00 | $390,646 Land $94,699 Building $295,947 |
| 2023 | $4,051.00 (+1.48%) | $375,479 Land $91,023 Building $284,456 |
| 2022 | $3,992.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 4400 Zig Zag Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 25, 2022 · 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 | 1 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 risk around 4400 Zig Zag Ln is very high, ranking above 94% of the US, with a 1% 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 | 1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 27 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 |
| AT&T Fixed Wireless | 25 / 3 |
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