4624 Railroad Flat Rd, Mountain Ranch, CA 95246 Property Records

Calaveras County property record for 4624 Railroad Flat Rd, Mountain Ranch, CA 95246

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 384 sqft · built 1900
Lot Size	2.11 acres (91,912 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Jun 2019)
Tax Bill	$3,210 (2025)
Deeds & Mortgages	Jan 2024 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`020-022-004-000`

Property Details

APN / Parcel Number

Primary APN	`020-022-004-000`
Alternative APN	`020-022-004`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	384 sqft Living Area
1st Floor Area	384 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1980
Architectural Style	Conventional
Lot Area	91,912 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	4624 RAILROAD FLAT RD
City	MOUNTAIN RANCH
State	CA
Zip	95246-9784
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR2
Legal Description	EL RANCHO LOMA SERENA 1 2 3 LOT 64
Legal Subdivision	EL RANCHO LOMA SERENA
Legal Lot Number	64
Legal Unit	1
Jurisdiction	CALAVERAS CA
Township / Civil Division	SAN ANDREAS
Census Block Group	1
Census Block	1000
Census Tract	302

Owner

Source: Calaveras County records, as of July 2, 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 Record
Mailing Address	4624 RAILROAD FLAT RD, MOUNTAIN RANCH, CA 95246-9784
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2024	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
May 20, 2020	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
Jun 28, 2019	Grant Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2019 · Amount on Record
Deed Sale	Jun 28, 2019 · Amount on Record
Prior Sale	Feb 28, 2001 · Amount on Record
Deed Document Number	20197149
Last Transfer Date	Dec 4, 2024
Transfer Doc	0000012024
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALAVERAS CA
Property Address	4624 RAILROAD FLAT RD, MOUNTAIN RANCH, CA 95246-9784
Transaction Type	Mortgage
Record Updated	Jan 22, 2024
Title Company	NOT AVAILABLE, COVIUS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4624 RAILROAD FLAT RD, MOUNTAIN RANCH, CA 95246-9784

Mortgage

Document Number	0000000097
Date	Jan 5, 2024
Instrument	2024-000097

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	479 Months
Due	Dec 1, 2063

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALAVERAS CA
Property Address	4624 RAILROAD FLAT RD, MOUNTAIN RANCH, CA 95246
Document Number	0000006881
Instrument Date	May 20, 2020
Transaction Type	Mortgage
Record Updated	Jun 16, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4624 RAILROAD FLAT RD MOUNTAIN RANCH CA 95246, MOUNTAIN RANCH, CA 95246

Mortgage

Document Number	0000006881
Date	Jun 3, 2020
Instrument	6881

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 2, 2050

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALAVERAS CA
Recording Date	Jun 28, 2019
Property Address	4624 RAILROAD FLAT RD, MOUNTAIN RANCH, CA 95246
Document Number	0000007149
Map Reference	MB 3 PG 30
Instrument Date	May 21, 2019
Instrument	2019-007149
Transaction Type	Transfer
Record Updated	Jul 19, 2022
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	4624 RAILROAD FLAT RD, MOUNTAIN RANCH, CA 95246

Mortgage

Document Number	0000007150
Date	Jun 28, 2019
Instrument	2019-007150

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Mortgage

Document Number	0000007151
Date	Jun 28, 2019
Instrument	2019-007151

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2029

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Calaveras County
Unified School District	Calaveras Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$278,763 (+2%) Land $34,133 Building $244,630
2025	$3,210.00 (+2.07%)	$273,298 (+4.04%) Land $33,464 Building $239,834
2023	$3,145.00 (+2.24%) Homeowner's exemption	$262,687 Land $32,165 Building $230,522
2022	$3,076.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 30, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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	Very High above 92% of the US · above 75% of California
Wildfire Likelihood	1% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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