45 Elm St, Sutter Creek, CA 95685 Property Records

Amador County property record for 45 Elm St, Sutter Creek, CA 95685

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,068 sqft · built 1935
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Company Names on Record
Last Sale	$525,000 (Jun 2019)
Tax Bill	$5,850 (2025)
Deeds & Mortgages	Oct 2021 Transfer Sep 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`018-201-040-000`

Property Details

APN / Parcel Number

Primary APN	`018-201-040-000`
Alternative APN	`1820104000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,068 sqft Living Area

Exterior

Year Built	Built 1935
Effective Year Built	Effective 2007
Construction Type	Wood
Lot Area	9,148 sqft (0.21 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	45 ELM ST
City	SUTTER CREEK
State	CA
Zip	95685-4270
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NC
Legal Description	LOT 19 BLK 22
Legal Subdivision	SUTTER CREEK
Legal Block	22
Legal Lot Number	19
Jurisdiction	AMADOR CA
Township / Civil Division	IONE
Census Block Group	1
Census Block	1055
Census Tract	303

Owner

Source: Amador County records, as of July 21, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	45 ELM ST, SUTTER CREEK, CA 95685-4270
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Sep 30, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage TMG REALTY
Sep 24, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 11, 2019	Grant Deed, Transfer · Conventional with PMI FINANCE OF AMERICA MTG
May 18, 2018	Deed of Trust, Mortgage · Line of Credit TCF NAT'L BK
Apr 27, 2017	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MTG
Apr 27, 2017	Quit Claim Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2019 · Amount on Record
Deed Sale	Jun 11, 2019 · Amount on Record
Prior Sale	Apr 27, 2017 · Amount on Record
Deed Document Number	20193993
Last Transfer Date	Sep 23, 2021
Transfer Doc	0000011339
Record Updated	Sep 20, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	AMADOR CA
Recording Date	Oct 4, 2021
Property Address	45 ELM ST, SUTTER CREEK, CA 95685-4270
Document Number	0000011339
Instrument Date	Sep 23, 2021
Instrument	2021-0011339
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

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
Relationship	Family Trust
Address	45 ELM ST, SUTTER CREEK, CA 95685-4270

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	AMADOR CA
Recording Date	Sep 30, 2021
Property Address	45 ELM ST, SUTTER CREEK, CA 95685-4270
Document Number	0000011244
Instrument Date	Aug 27, 2021
Instrument	2021-0011244
Transaction Type	Transfer
Record Updated	Jan 7, 2022
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS 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
Relationship	Joint Tenants
Address	45 ELM ST, SUTTER CREEK, CA 95685-4270

Mortgage

Document Number	0000011245
Date	Sep 30, 2021
Instrument	2021-0011245

Lender

Name	TMG REALTY
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AMADOR CA
Recording Date	Sep 24, 2019
Property Address	45 ELM ST, SUTTER CREEK, CA 95685-4270
Document Number	0000007079
Instrument Date	Sep 4, 2019
Instrument	7079
Transaction Type	Transfer
Record Updated	Oct 2, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	45 ELM ST SUTTER CREEK CA 956854270, SUTTER CREEK, CA 95685-4270

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	AMADOR CA
Recording Date	Jun 11, 2019
Property Address	45 ELM ST, SUTTER CREEK, CA 95685-4270
Document Number	0000003993
Instrument Date	Jun 7, 2019
Instrument	3993
Transaction Type	Transfer
Record Updated	Jun 21, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$577.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	45 ELM ST SUTTER CREEK CA 956854270, SUTTER CREEK, CA 95685-4270

Mortgage

Document Number	3994
Date	Jun 11, 2019
Instrument	3994

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 10, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMADOR CA
Property Address	45 ELM ST, SUTTER CREEK, CA 95685-4270
Document Number	0000004072
Instrument Date	May 18, 2018
Transaction Type	Mortgage
Record Updated	Jun 14, 2018
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	45 ELM ST SUTTER CREEK CA 956854270, SUTTER CREEK, CA 95685-4270

Mortgage

Document Number	0000004072
Date	Jun 4, 2018
Instrument	4072

Lender

Name	TCF NAT'L BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 3, 2048

Interest

Rate Type	Adjustable Rate

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	AMADOR CA
Recording Date	Apr 27, 2017
Property Address	45 ELM ST, SUTTER CREEK, CA 95685-4270
Document Number	0000003136
Instrument Date	Apr 24, 2017
Instrument	3136
Transaction Type	Transfer
Record Updated	May 5, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$469.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	45 ELM ST SUTTER CREEK CA 95685, SUTTER CREEK, CA 95685

Mortgage

Document Number	3138
Date	Apr 27, 2017
Instrument	3138

Lender

Name	FINANCE OF AMERICA MTG
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 26, 2047

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AMADOR CA
Recording Date	Apr 27, 2017
Property Address	45 ELM ST, SUTTER CREEK, CA 95685-4270
Document Number	0000003137
Instrument Date	Apr 24, 2017
Instrument	3137
Transaction Type	Transfer
Record Updated	May 5, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	45 ELM ST SUTTER CREEK CA 95685, SUTTER CREEK, CA 95685

Tax Assessment & Valuation

Source: Amador County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	California
County	Amador County
Municipality	Sutter Creek City
Unified School District	Amador County Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$597,354 (+2%) Land $85,334 Building $512,020
2025	$5,850.00 (+1.93%) Homeowner's exemption	$585,642 (+4.04%) Land $83,661 Building $501,981
2024	$5,739.00 (+2.03%)		$575,460
2023	$5,625.00 (+1.92%) Homeowner's exemption	$562,903 Land $80,413 Building $482,490
2022	$5,519.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 30, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	9 (1980–2022)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Dec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Dec 2022 · 2 claims Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 2 claims

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 57% of the US · lower than 66% of California
Wildfire Likelihood	0.1% 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	AWA, TANNER serves 4,940 people · EPA ID CA0310003
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 254 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Cal.net.

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