454 Cottage Cir, Winters, CA 95694 Property Records

Yolo County property record for 454 Cottage Cir, Winters, CA 95694

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,120 sqft · built 2022
Lot Size	0.146 acres (6,374 sqft)
Owner	Individual Name on File
Last Sale	$585,000 (Apr 2022)
Tax Bill	$7,445 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`030-392-015-000`

Property Details

APN / Parcel Number

Primary APN	`030-392-015-000`
Alternative APN	`030-392-021-000`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,120 sqft Living Area

Exterior

Year Built	Built 2022
Construction Type	Wood
Lot Area	6,374 sqft (0.146 acres)
Garage Type	Attached
Garage Area	357 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	454 COTTAGE CIR
City	WINTERS
State	CA
Zip	95694-1682
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-R
Legal Description	*4723 COTTAGES P 2 L 1 19 M 85-86 EXC 2022-06756
Jurisdiction	YOLO CA
Township / Civil Division	WINTERS
Census Block Group	3
Census Block	3002
Census Tract	11302

Owner

454 Cottage Cir is owned and occupied by an individual who bought it in April 2022.

Source: Yolo County records, as of September 29, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	454 COTTAGE CIR, WINTERS, CA 95694-1682
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2021	Deed of Trust, Mortgage · Line of Credit CENTRAL VALLEY COMMUNITY BANK
Apr 22, 2022	Grant Deed, Transfer · Conventional Mortgage PANORAMA MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2022 · Amount on File
Deed Sale	Apr 22, 2022 · Amount on File
Deed Document Number	2022-0010197
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YOLO CA
Property Address	454 COTTAGE CIR, WINTERS, CA 95694-1682
Transaction Type	Mortgage
Record Updated	Aug 17, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	341 LINCOLN ST, ROSEVILLE, CA 95678-2229

Mortgage

Document Number	0000017315
Date	Apr 30, 2021
Instrument	2021-0017315

Lender

Name	CENTRAL VALLEY COMMUNITY BANK
Type	Bank
Address	FRESNO, CA 93720

Agreement

Type	Line of Credit
Amount	Amount on Record

April 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	YOLO CA
Recording Date	Apr 22, 2022
Property Address	454 COTTAGE CIR, WINTERS, CA 95694-1682
Document Number	0000010197
Map Reference	MB 2019 PG 85&86
Instrument Date	Apr 14, 2022
Instrument	2022-0010197
Transaction Type	Transfer
Record Updated	Aug 17, 2023
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	454 COTTAGE CIR, WINTERS, CA 95694-1682

Mortgage

Document Number	0000010198
Date	Apr 22, 2022
Instrument	2022-0010198

Lender

Name	PANORAMA MORTGAGE GROUP LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Mortgage

Document Number	0000010199
Date	Apr 22, 2022
Instrument	2022-0010199

Lender

Name	CITY OF WINTERS
Type	Government Agency
Address	WINTERS, CA 95694

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 454 Cottage Cir was $7,445 with a homeowner's exemption.

Source: Yolo County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	California
County	Yolo County
Municipality	Winters City
Unified School District	Winters Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$7,445.00 Homeowner's exemption	$610,777 Land $116,732 Building $494,045
2023	$7,122.00 Homeowner's exemption	$587,061 Land $112,200 Building $474,861

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

Flood

FEMA maps place 454 Cottage Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 11, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2019 · rainfall accumulation

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

Wildfire risk around 454 Cottage Cir is high, ranking above 74% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 74% of the US · above 50% of California
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 620 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Astound Broadband Cable	1,500 / 50
unWired Broadband Fixed Wireless	400 / 50
DigitalPath Fixed Wireless	200 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: Esparto Broadband, Verizon.

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