Amador County property record for 45 Opal St, Sutter Creek, CA 95685
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,088 sqft · built 1962 |
| Lot Size | 1.03 acres (45,302 sqft) |
| Owner | Individual Name on File |
| Last Sale | $160,000 (Jun 2016) |
| Tax Bill | $930 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Jun 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 018-293-049-000 |
| Primary APN | 018-293-049-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 1,088 sqft Living Area |
| 1st Floor Area | 1,088 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Construction Type | Wood |
| Lot Area | 45,302 sqft |
| Garage Type | Attached |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 45 OPAL ST |
|---|---|
| City | SUTTER CREEK |
| State | CA |
| Zip | 95685-4110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NC |
| Legal Description | 43M24 PAR 3 BLK 22 |
| Legal Subdivision | MICHAEL R GIBNEY & LUCILE M RE |
| Legal Block | 22 |
| Jurisdiction | AMADOR CA |
| Township / Civil Division | SUTTER CREEK-PLYMOUTH |
| Census Block Group | 3 |
| Census Block | 3038 |
| Census Tract | 401 |
Source: Amador County records · APN 018-293-049-000
Assessment roll updated July 21, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45 OPAL ST, SUTTER CREEK, CA 95685-4110 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Feb 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jun 12, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA COMMERCIAL |
| Jan 17, 2019 | Deed of Trust, Mortgage · Commercial Mortgage UMPQUA BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 15, 2016 · Amount on Record |
| Deed Sale | Jun 15, 2016 · Amount on Record |
| Deed Document Number | 20164577 |
| Prior Transfer Date | Jun 01, 2016 |
| Prior Transfer Doc | 0000004578 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AMADOR CA |
| Property Address | 45 OPAL ST, SUTTER CREEK, CA 95685-4110 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 45 OPAL ST, SUTTER CREEK, CA 95685-4110 |
| Document Number | 0000001380 |
|---|---|
| Date | Feb 14, 2022 |
| Instrument | 2022-0001380 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Mar 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AMADOR CA |
| Property Address | 45 OPAL ST, SUTTER CREEK, CA 95685-4110 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000004354 |
|---|---|
| Date | Jun 12, 2017 |
| Instrument | 2017-0004354 |
| Name | FINANCE OF AMERICA COMMERCIAL |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AMADOR CA |
| Property Address | 45 OPAL ST, SUTTER CREEK, CA 95685-4110 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000000402 |
|---|---|
| Date | Jan 17, 2019 |
| Instrument | 2019-0000402 |
| Name | UMPQUA BANK |
|---|---|
| Type | Bank |
| Address | SPOKANE, WA 99216 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Amador County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | Amador County |
| Municipality | Sutter Creek City |
| Unified School District | Amador County Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $101,048 (+2%) Land $14,695 Building $86,353 | ||
| 2025 | $930.00 (+4.26%) Homeowner's exemption | $99,067 (+4.04%) Land $14,407 Building $84,660 | |
| 2024 | $274,140 | ||
| 2023 | $892.00 (+2.06%) Homeowner's exemption | $95,222 Land $13,849 Building $81,373 | |
| 2022 | $874.00 |
Source: FEMA National Flood Hazard Layer, Amador County (06005C), as of June 30, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060050004013, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 9 (1986–2017) |
| Claims Outside the SFHA | 5 of 9 |
| Most Recent Claim | Jan 2017 · Severe Winter Storms, Flooding, And Mudslides |
| Claims by Event |
|
| Wildfire Risk | Moderate above 61% of the US · lower than 63% of California |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, Cal.net.
Based on FCC filings for 254 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system CA0310003, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | AWA, TANNER serves 4,940 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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