4731 Gem Rd, Somerset, CA 95684 Property Records

El Dorado County property record for 4731 Gem Rd, Somerset, CA 95684

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,428 sqft · built 1987
Lot Size	2.5 acres (108,900 sqft)
Owner	Individual Name on Record
Last Sale	$357,500 (Jul 2017)
Tax Bill	$4,340 (2025)
Deeds & Mortgages	Feb 2021 Mortgage May 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`093-110-016-000`

Property Details

APN / Parcel Number

Primary APN	`093-110-016-000`
Alternative APNs	`09311016100` `0931101610`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,428 sqft Living Area
1st Floor Area	1,428 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Wood
Lot Area	108,900 sqft (2.5 acres)
Terrain	Gentle Slope
View / Lot	Average
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Patio Area	1,428 sqft

Utilities, Heating & Cooling

Water Source	Well

Location & Zoning

Street Address	4731 GEM RD
City	SOMERSET
State	CA
Zip	95684
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE5
Legal Description	SEC 8 9 12
Jurisdiction	EL DORADO CA
Township / Civil Division	SOUTH EL DORADO
Census Block Group	2
Census Block	2003
Census Tract	31408

Owner

Source: El Dorado County records, as of January 16, 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	4731 GEM RD, SOMERSET, CA 95684
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 11, 2023	Intrafamily Transfer, Transfer · Line of Credit SCHOOLSFIRST FCU
Apr 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage PRIVATE INDIVIDUAL
Jul 7, 2017	Quit Claim Deed, Transfer INTERCOUNTY TITLE, INTER-COUNTY TITLE CO.
Jul 7, 2017	Grant Deed, Transfer INTER COUNTY TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2017 · Amount on Record
Deed Sale	Jul 7, 2017 · Amount on Record
Prior Sale	Apr 18, 2007 · Amount on Record
Deed Document Number	201727967
Last Transfer Date	May 2, 2023
Transfer Doc	0000013056
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4731 GEM RD, SOMERSET, CA 95684
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	WHITE COUNTY TITLE COMPANY, INTER COUNTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6177 GRIZZLY FLAT RD, SOMERSET, CA 95684

Mortgage

Document Number	0000008286
Date	Feb 5, 2021
Instrument	2021-0008286

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EL DORADO CA
Recording Date	May 11, 2023
Property Address	4731 GEM RD, SOMERSET, CA 95684
Document Number	0000013056
Instrument Date	May 2, 2023
Instrument	2023-0013056
Transaction Type	Transfer
Record Updated	May 22, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 734, SOMERSET, CA 95684-0734

Mortgage

Document Number	0000013057
Date	May 11, 2023
Instrument	2023-0013057

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4731 GEM RD, SOMERSET, CA 95684
Document Number	0000018915
Instrument Date	Apr 20, 2020
Transaction Type	Mortgage
Record Updated	May 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018915
Date	Apr 27, 2020
Instrument	18915

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 26, 2050

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EL DORADO CA
Recording Date	Jul 7, 2017
Property Address	4731 GEM RD, SOMERSET, CA 95684
Document Number	0000027968
Instrument Date	Jul 3, 2017
Instrument	27968
Transaction Type	Transfer
Record Updated	Jun 11, 2019
Title Company	INTERCOUNTY TITLE, INTER-COUNTY TITLE CO.

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	6177 GRIZZLY FLAT RD SOMERSET CA 95684, SOMERSET, CA 95684

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Jul 7, 2017
Property Address	4731 GEM RD, SOMERSET, CA 95684
Document Number	0000027967
Instrument Date	Jul 3, 2017
Instrument	2017-0027967
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	INTER COUNTY TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6177 GRIZZLY FLAT RD, SOMERSET, CA 95684

Tax Assessment & Valuation

Source: El Dorado County assessment roll, as of August 18, 2025

Property Jurisdictions

Type	Name
State	California
County	El Dorado County
Secondary School District	El Dorado Union High School District (09 - 12)
Elementary School District	Pioneer Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,340.00 (+2%)	$406,769 (+4.04%) Land $108,091 Building $298,678
2024	$4,255.00 (+2.04%)
2023	$4,170.00 (+1.61%)	$390,976 Land $103,895 Building $287,081
2022	$4,104.00

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

Flood

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

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

Wildfire Risk	Extreme above 97.5% of the US · above 87% of California
Wildfire Likelihood	2% 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Cal.net Fixed Wireless	100 / 20

May also be available: AT&T, Rocky Ridge Wireless, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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