4780 Concept Mountain Rd, El Dorado, CA 95623 Property Records

El Dorado County property record for 4780 Concept Mountain Rd, El Dorado, CA 95623

Property Summary

Property Type	Rural Home
Details	1 bd · 2 ba · 1,176 sqft · built 1996
Lot Size	10 acres (436,471 sqft)
Owner	2 Individual Names on File
Last Sale	$1,275,000 (Jun 2025)
Tax Bill	$5,530 (2025)
Deeds & Mortgages	May 2020 Mortgage May 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`090-260-018-000`

Property Details

APN / Parcel Number

Primary APN	`090-260-018-000`
Alternative APNs	`09026018100` `0902601810`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
1st Floor Area	1,176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Construction Type	Wood
Lot Area	436,471 sqft
Terrain	Rolling
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Patio Area	2,406 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	4780 CONCEPT MOUNTAIN RD
City	EL DORADO
State	CA
Zip	95623-4611
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RE10
Legal Description	PM 40/24/1
Legal Subdivision	40-24, PARCEL MAP
Jurisdiction	EL DORADO CA
Township / Civil Division	SOUTH EL DORADO
Census Block Group	2
Census Block	2006
Census Tract	31503

Owner

4780 Concept Mountain Rd, a rural home, is owned and occupied by two individuals who bought it in June 2025.

Source: El Dorado County records, as of September 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4780 CONCEPT MOUNTAIN RD, EL DORADO, CA 95623-4611
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
May 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage PREACHER FAMILY TRUST (PT)
May 17, 2019	Grant Deed, Transfer · Conventional Mortgage HOMESTREET BANK
May 17, 2019	Quit Claim Deed STEWART TITLE, STEWART TITLE/PLACER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2025 · Amount on File
Deed Sale	Jun 4, 2025 · Amount on File
Prior Sale	May 17, 2019 · Amount on File
Deed Document Number	202515800
Prior Transfer Date	May 10, 2019
Prior Transfer Doc	0000018834
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4780 CONCEPT MOUNTAIN RD, EL DORADO, CA 95623-4611
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022907
Date	May 21, 2020
Instrument	2020-0022907

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2035

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4780 CONCEPT MOUNTAIN RD, EL DORADO, CA 95623-4611
Document Number	0000020538
Instrument Date	May 15, 2019
Transaction Type	Mortgage
Record Updated	Jun 19, 2019
Title Company	STEWART TITLE, STEWART TITLE/PLACER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	4780 CONCEPT MOUNTAIN RD EL DORADO CA 956234611, EL DORADO, CA 95623-4611

Mortgage

Document Number	0000020538
Date	May 29, 2019
Instrument	20538

Lender

Name	PREACHER FAMILY TRUST (PT)
Address	4318 GREENVIEW DR, EL DORADO HILLS, CA 95762-7623

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	May 17, 2019
Property Address	4780 CONCEPT MOUNTAIN RD, EL DORADO, CA 95623-4611
Document Number	0000018835
Map Reference	MB 40 PG 24
Instrument Date	May 10, 2019
Instrument	2019-0018835
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	STEWART TITLE OF PLACER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4780 CONCEPT MOUNTAIN RD, EL DORADO, CA 95623-4611

Mortgage

Document Number	0000018836
Date	May 17, 2019
Instrument	2019-0018836

Lender

Name	HOMESTREET BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2034

May 2019: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	EL DORADO CA
Recording Date	May 17, 2019
Property Address	4780 CONCEPT MOUNTAIN RD, EL DORADO, CA 95623-4611
Document Number	0000018834
Instrument Date	May 10, 2019
Instrument	18834
Record Updated	Jun 19, 2019
Title Company	STEWART TITLE, STEWART TITLE/PLACER

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	4780 CONCEPT MOUNTAIN RD EL DORADO CA 956234611, EL DORADO, CA 95623-4611

Tax Assessment & Valuation

The 2025 property tax bill for 4780 Concept Mountain Rd was $5,530.

Source: El Dorado County assessment roll, as of September 16, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,300,500 (+148.26%) Land $331,500 Building $969,000
2025	$5,530.00	$523,845 Land $156,819 Building $367,026
2023	$5,290.00 (+1.13%)	$503,506 Land $150,731 Building $352,775
2022	$5,231.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 4780 Concept Mountain Rd in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1995.

Source: FEMA National Flood Hazard Layer, effective August 25, 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	3 in force
Nearby Flood Claims	10 (1995–2017)
Claims Outside the SFHA	1 of 10
Most Recent Claim	Feb 2017 · Flooding
Claims by Event	Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 4 claims

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

Wildfire risk around 4780 Concept Mountain Rd is very high, ranking above 91% of the US, with a 1% 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	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 14 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
T-Mobile Fixed Wireless	25 / 3

May also be available: Verizon, Zeta Broadband.

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