4729 Railroad Flat Rd, Mountain Ranch, CA 95246 Property Records

Calaveras County property record for 4729 Railroad Flat Rd, Mountain Ranch, CA 95246

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,301 sqft · built 1999
Lot Size	2.15 acres (93,654 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Jul 2020)
Tax Bill	$4,189 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`020-022-008-000`

Property Details

APN / Parcel Number

Primary APN	`020-022-008-000`
Alternative APN	`020022008`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,301 sqft Living Area
1st Floor Area	1,301 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Construction Type	Wood
Lot Area	93,654 sqft
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	4729 RAILROAD FLAT RD
City	MOUNTAIN RANCH
State	CA
Zip	95246-9563
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR2
Legal Description	EL RANCHO LOMA SERENA 1 2 3 LOT 55
Legal Subdivision	EL RANCHO LOMA SERENA
Legal Lot Number	55
Legal Unit	1
Jurisdiction	CALAVERAS CA
Township / Civil Division	ARNOLD-WEST POINT
Census Block Group	4
Census Block	4094
Census Tract	400

Owner

Source: Calaveras County assessment roll, 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	2 Individual Names on File
Mailing Address	PO BOX 650, MOUNTAIN RANCH, CA 95246-0650
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 30, 2020 · Amount on Record
Deed Sale	Jul 30, 2020 · Amount on Record
Prior Sale	Mar 11, 2005 · Amount on Record
Deed Document Number	202010039
Record Updated	Sep 20, 2026

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALAVERAS CA
Recording Date	Jul 30, 2020
Property Address	4729 RAILROAD FLAT RD, MOUNTAIN RANCH, CA 95246-9563
Document Number	0000010039
Instrument Date	Jul 8, 2020
Instrument	10039
Transaction Type	Transfer
Record Updated	Aug 13, 2020
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$363.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	PO BOX 650 MOUNTAIN RANCH CA 952460650, MOUNTAIN RANCH, CA 95246-0650

Mortgage

Document Number	10040
Date	Jul 30, 2020
Instrument	10040

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2050

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		$364,344 (+2%) Land $33,121 Building $331,223
2025	$4,189.00 (+2.02%)	$357,201 (+4.04%) Land $32,472 Building $324,729
2023	$4,106.00 (+1.16%)	$343,332 Land $31,212 Building $312,120
2022	$4,059.00

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2016 · 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

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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