El Dorado County property record for 4581 Thunder Ln, Shingle Springs, CA 95682
| Property Type | Rural Home |
|---|---|
| Details | 2 bd · 2 ba · 1,144 sqft · built 1989 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $162,000 (Jan 1999) |
| Tax Bill | $2,781 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Mar 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 087-300-042-000 |
| Primary APN | 087-300-042-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 1,144 sqft Living Area |
| 1st Floor Area | 1,144 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Construction Type | Wood |
| Lot Area | 435,600 sqft |
| Terrain | Rolling |
| Patio Area | 1,144 sqft |
| Street Address | 4581 THUNDER LN |
|---|---|
| City | SHINGLE SPRINGS |
| State | CA |
| Zip | 95682-9776 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | A |
| Legal Description | SEC 34 9 9 |
| Jurisdiction | EL DORADO CA |
| Township / Civil Division | SOUTH EL DORADO |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 30712 |
4581 Thunder Ln, a rural home, is owner-occupied and held in a trust since July 2024.
Source: El Dorado County records, as of September 16, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 4581 THUNDER LN, SHINGLE SPRINGS, CA 95682-9776 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Apr 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SACRAMENTO CU |
| Mar 29, 2019 | Deed of Trust, Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 13, 1999 · Amount on File |
| Deed Sale | Jan 13, 1999 · Amount on File |
| Deed Document Number | 19992457 |
| Last Transfer Date | Jul 31, 2024 |
| Transfer Doc | 0000021348 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 4581 THUNDER LN, SHINGLE SPRINGS, CA 95682-9776 |
| Transaction Type | Mortgage |
| Record Updated | May 6, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 4581 THUNDER LN, SHINGLE SPRINGS, CA 95682-9776 |
| Document Number | 0000028673 |
|---|---|
| Date | Apr 26, 2021 |
| Instrument | 2021-0028673 |
| Name | SACRAMENTO CU |
|---|---|
| Type | Credit Union |
| Address | SACRAMENTO, CA 95814 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 4581 THUNDER LN, SHINGLE SPRINGS, CA 95682-9776 |
| Document Number | 0000011361 |
| Instrument Date | Mar 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2019 |
| Title Company | BNT TITLE COMPANY/CA, BNT TITLE CO/CA |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4581 THUNDER LN SHINGLE SPRINGS CA 956829776, SHINGLE SPRINGS, CA 95682-9776 |
| Document Number | 0000011361 |
|---|---|
| Date | Apr 4, 2019 |
| Instrument | 11361 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Apr 3, 2039 |
The 2025 property tax bill for 4581 Thunder Ln was $2,781.
Source: El Dorado County assessment roll, as of September 16, 2026
| Type | Name |
|---|---|
| State | California |
| County | El Dorado County |
| Secondary School District | El Dorado Union High School District (09 - 12) |
| Elementary School District | Latrobe Elementary School District (KG - 08) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $259,013 (+2%) Land $143,900 Building $115,113 | |
| 2025 | $2,781.00 Homeowner's exemption | $253,935 Land $141,079 Building $112,856 |
| 2023 | $2,675.00 (+1.52%) Homeowner's exemption | $244,076 Land $135,601 Building $108,475 |
| 2022 | $2,635.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 4581 Thunder Ln 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 risk around 4581 Thunder Ln is very high, ranking above 91% of the US, with a 0.9% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Very High above 91% of the US · above 75% of California |
|---|---|
| Wildfire Likelihood | 0.9% 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.
Source: FCC Broadband Data Collection, based on 12 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 |
| Cal.net Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 25 / 3 |
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