4401 Panorama Dr, Placerville, CA 95667 Property Records

El Dorado County property record for 4401 Panorama Dr, Placerville, CA 95667

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,040 sqft · built 1960
Lot Size	1 acre (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$370,000 (Nov 2006)
Tax Bill	$1,810 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jan 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`329-162-026-000`

Property Details

APN / Parcel Number

Primary APN	`329-162-026-000`
Alternative APNs	`32916226100` `3291622610`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Construction Type	Wood
Lot Area	43,560 sqft
Terrain	Wooded
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Patio Area	1,040 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Water Source	Commercial

Location & Zoning

Street Address	4401 PANORAMA DR
City	PLACERVILLE
State	CA
Zip	95667-8670
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	L 13
Legal Subdivision	HWY VIEW TERR
Legal Lot Number	13
Jurisdiction	EL DORADO CA
Township / Civil Division	SOUTH EL DORADO
Census Block Group	1
Census Block	1009
Census Tract	31505

Owner

4401 Panorama Dr is owned and occupied by two individuals who bought it in November 2006.

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

Owner of Record	2 Individual Names on File
Mailing Address	4401 PANORAMA DR, PLACERVILLE, CA 95667-8670
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Dec 8, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jan 12, 2022	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Oct 8, 2019	Deed of Trust, Mortgage · VA Mortgage GO DIRECT LENDERS
Mar 2, 2018	Deed of Trust, Mortgage · VA Mortgage VETERANS DIRECT
Jul 26, 2017	Deed of Trust, Mortgage · VA Mortgage GO DIRECT LENDERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2006 · Amount on File
Deed Sale	Nov 9, 2006 · Amount on File
Deed Document Number	200676808
Prior Transfer Date	Nov 6, 2006
Prior Transfer Doc	0000076808
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4401 PANORAMA DR, PLACERVILLE, CA 95667-8670
Transaction Type	Mortgage
Record Updated	Jul 19, 2022
Title Company	TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4401 PANORAMA DR, PLACERVILLE, CA 95667-8670

Mortgage

Document Number	0000070963
Date	Dec 8, 2020
Instrument	2020-0070963

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4401 PANORAMA DR, PLACERVILLE, CA 95667-8670
Transaction Type	Mortgage
Record Updated	Jul 19, 2022
Title Company	MADISON SETTLEMENT SERVICES, MADISON SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4401 PANORAMA DR, PLACERVILLE, CA 95667-8670

Mortgage

Document Number	0000002335
Date	Jan 12, 2022
Instrument	2022-0002335

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4401 PANORAMA DR, PLACERVILLE, CA 95667-8670
Document Number	0000043800
Instrument Date	Oct 8, 2019
Transaction Type	Mortgage
Record Updated	Oct 25, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE CO LOS AN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4401 PANORAMA DR PLACERVILLE CA 956678670, PLACERVILLE, CA 95667-8670

Mortgage

Document Number	0000043800
Date	Oct 16, 2019
Instrument	43800

Lender

Name	GO DIRECT LENDERS
Address	ENCINO, CA 91316

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2049

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4401 PANORAMA DR, PLACERVILLE, CA 95667-8670
Document Number	0000008788
Instrument Date	Mar 2, 2018
Transaction Type	Mortgage
Record Updated	Jun 11, 2019
Title Company	PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4401 PANORAMA DR PLACERVILLE CA 956678670, PLACERVILLE, CA 95667-8670

Mortgage

Document Number	0000008788
Date	Mar 9, 2018
Instrument	8788

Lender

Name	VETERANS DIRECT
Address	ENCINO, CA 91316

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 8, 2048

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4401 PANORAMA DR, PLACERVILLE, CA 95667-8670
Document Number	0000031853
Instrument Date	Jul 26, 2017
Transaction Type	Mortgage
Record Updated	Jun 11, 2019
Title Company	CONSUMERS TITLE COMPANY, CONSUMERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4401 PANORAMA DR PLACERVILLE CA 956678670, PLACERVILLE, CA 95667-8670

Mortgage

Document Number	0000031853
Date	Aug 1, 2017
Instrument	31853

Lender

Name	GO DIRECT LENDERS
Address	ENCINO, CA 91316

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 31, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4401 Panorama Dr was $1,810 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	Mother Lode Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$178,104 (+2%) Land $9,382 Building $168,722
2025	$1,810.00 Homeowner's exemption	$174,613 Land $9,199 Building $165,414
2023	$1,720.00 (+159.82%) Homeowner's exemption	$65,833 Land $8,843 Building $56,990
2022	$662.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 4401 Panorama Dr 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 4401 Panorama Dr is high, ranking above 70% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 70% of the US · above 44% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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 99 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: Verizon, Zeta Broadband.

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