4520 Chrome Ridge Rd, Placerville, CA 95667 Property Records

El Dorado County property record for 4520 Chrome Ridge Rd, Placerville, CA 95667

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 1,516 sqft · built 1983
Lot Size	5.03 acres (219,107 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Sep 2015)
Tax Bill	$4,146 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jan 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`096-130-055-000`

Property Details

APN / Parcel Number

Primary APN	`096-130-055-000`
Alternative APNs	`09613055100` `0961305510`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,516 sqft Living Area
1st Floor Area	1,516 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Construction Type	Wood
Lot Area	219,107 sqft
Terrain	Gentle Slope
Garage Type	Attached
Garage Area	405 sqft
Parking Spaces	2 Parking Spaces
Patio Area	1,516 sqft

Location & Zoning

Street Address	4520 CHROME RIDGE RD
City	PLACERVILLE
State	CA
Zip	95667-9283
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	U
Legal Description	PM 20/29/2
Legal Subdivision	20-29, PARCEL MAP
Jurisdiction	EL DORADO CA
Township / Civil Division	SOUTH EL DORADO
Census Block Group	1
Census Block	1017
Census Tract	31404

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	4520 CHROME RIDGE RD, PLACERVILLE, CA 95667-9283
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 9, 2019	Deed of Trust, Mortgage · ARM UNITED WHOLESALE MORTGAGE
Aug 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANPAL LLC
Jul 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Sep 20, 2017	Deed of Trust, Mortgage · Line of Credit GOLDEN 1 CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2015 · Amount on Record
Deed Sale	Sep 17, 2015 · Amount on Record
Prior Sale	Aug 8, 2014 · Amount on Record
Deed Document Number	201543456
Prior Transfer Date	Dec 17, 2002
Prior Transfer Doc	0000103446
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4520 CHROME RIDGE RD, PLACERVILLE, CA 95667-9283
Transaction Type	Mortgage
Record Updated	Jul 29, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4520 CHROME RIDGE RD, PLACERVILLE, CA 95667-9283

Mortgage

Document Number	0000047312
Date	Jul 21, 2021
Instrument	2021-0047312

Lender

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

Agreement

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

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4520 CHROME RIDGE RD, PLACERVILLE, CA 95667-9283
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000756
Date	Jan 9, 2019
Instrument	2019-0000756

Lender

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

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Feb 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.37%
Index	1-Year LIBOR
Max Rate	9.37%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4520 CHROME RIDGE RD, PLACERVILLE, CA 95667-9283
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032519
Date	Aug 12, 2019
Instrument	2019-0032519

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4520 CHROME RIDGE RD, PLACERVILLE, CA 95667-9283
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4520 CHROME RIDGE RD, PLACERVILLE, CA 95667-9283

Mortgage

Document Number	0000062690
Date	Nov 3, 2020
Instrument	2020-0062690

Lender

Name	LOANPAL LLC
Type	Non-Lending Institution
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4520 CHROME RIDGE RD, PLACERVILLE, CA 95667-9283
Document Number	0000033536
Instrument Date	Jul 2, 2020
Transaction Type	Mortgage
Record Updated	Jul 20, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4520 CHROME RIDGE RD PLACERVILLE CA 956679283, PLACERVILLE, CA 95667-9283

Mortgage

Document Number	0000033536
Date	Jul 8, 2020
Instrument	33536

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 7, 2050

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4520 CHROME RIDGE RD, PLACERVILLE, CA 95667-9283
Document Number	0000043193
Instrument Date	Sep 20, 2017
Transaction Type	Mortgage
Record Updated	Jun 11, 2019
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4520 CHROME RIDGE RD PLACERVILLE CA 956679283, PLACERVILLE, CA 95667-9283

Mortgage

Document Number	0000043193
Date	Sep 27, 2017
Instrument	43193

Lender

Name	GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$398,458 (+2%) Land $108,669 Building $289,789
2025	$4,146.00 (+4.25%) Homeowner's exemption	$390,646 (+4.04%) Land $106,539 Building $284,107
2023	$3,977.00 (+1.51%) Homeowner's exemption	$375,478 Land $102,402 Building $273,076
2022	$3,918.00

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

Flood

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

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

Wildfire Risk	Extreme above 96% of the US · above 85% 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 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zeta Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3

May also be available: Cal.net, Rocky Ridge Wireless.

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