46 Splash Dam Way, Arnold, CA 95223 Property Records

Calaveras County property record for 46 Splash Dam Way, Arnold, CA 95223

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,704 sqft · built 1996
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (Dec 2018)
Tax Bill	$3,984 (2025)
Deeds & Mortgages	Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-072-004-000`

Property Details

APN / Parcel Number

Primary APN	`026-072-004-000`
Alternative APN	`026072004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,704 sqft Living Area
1st Floor Area	1,704 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1998
Architectural Style	Modern
Construction Type	Wood
Lot Area	5,227 sqft (0.12 acres)
Garage Area	293 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	46 SPLASH DAM WAY
City	ARNOLD
State	CA
Zip	95223-7221
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R312PD
Legal Description	MILL WOODS UNIT 3 PHASE 2 LOT 97
Legal Subdivision	MILL WOODS
Legal Lot Number	97
Legal Unit	3
Jurisdiction	CALAVERAS CA
Township / Civil Division	ARNOLD-WEST POINT
Census Block Group	1
Census Block	1000
Census Tract	501

Owner

Source: Calaveras County assessment roll, APN 026-072-004-000, as of July 2, 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	PO BOX 638, ARNOLD, CA 95223-0638
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 28, 2018 · Amount on Record
Deed Sale	Dec 28, 2018 · Amount on Record
Deed Document Number	201814290
Prior Transfer Date	Jul 20, 2004
Prior Transfer Doc	0000015923
Record Updated	Sep 20, 2026

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALAVERAS CA
Recording Date	Dec 28, 2018
Property Address	46 SPLASH DAM LOOP, ARNOLD, CA 95223
Document Number	0000014290
Map Reference	MB 7 PG 24
Instrument Date	Nov 14, 2018
Instrument	2018-014290
Transaction Type	Transfer
Record Updated	Sep 16, 2022
Title Company	PLACER TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	PO BOX 638, ARNOLD, CA 95223-0638

Mortgage

Document Number	0000014291
Date	Dec 28, 2018
Instrument	2018-014291

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Jan 01, 2026
Change Frequency	Annually
Min Rate At Change	3.37%
Max Rate At Change	7.37%
Index	1-Year LIBOR
Max Rate	11.3%

Tax Assessment & Valuation

Source: Calaveras County assessment roll as of July 2, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	California
County	Calaveras County
Secondary School District	Bret Harte Union High School District (09 - 12)
Elementary School District	Vallecito Union Elementary School District (KG - 08)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value
2026		$324,275 (+2%) Land $28,443 Building $295,832
2025	$3,984.00 (+2.89%)	$317,918 (+4.04%) Land $27,886 Building $290,032
2023	$3,872.00 (+5.42%)	$305,575 Land $26,804 Building $278,771
2022	$3,673.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Calaveras County (06009C), as of June 30, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060090005011, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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	1 (2017)
Most Recent Claim	Feb 2017 · Flooding

Wildfire

Wildfire Risk	Very High above 93% of the US · above 77% of California
Wildfire Likelihood	1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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.

Internet Providers

Source: FCC Broadband Data Collection, 171 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System, water system CA0510016, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CCWD - EBBETTS PASS serves 11,545 people
Water Source	Surface water
Last State Inspection	Jan 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Oct 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.