4781 Mountain View Dr, Lotus, CA 95651 Property Records

El Dorado County property record for 4781 Mountain View Dr, Lotus, CA 95651

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 2,268 sqft · built 2005
Lot Size	10 acres (436,471 sqft)
Owner	Individual Name on Record
Last Sale	$179,000 (Jul 2002)
Tax Bill	$6,392 (2025)
Deeds & Mortgages	May 2023 Line of Credit Aug 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`006-400-016-000`

Property Details

APN / Parcel Number

Primary APN	`006-400-016-000`
Alternative APNs	`00640016100` `0064001610`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	2,268 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Wood
Lot Area	436,471 sqft
Terrain	Rolling
View / Lot	Average
Patio Area	2,268 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Well

Location & Zoning

Street Address	4781 MOUNTAIN VIEW DR
City	LOTUS
State	CA
Zip	95651-9743
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RE10
Legal Description	RS 9/97/2
Legal Tract	2
Jurisdiction	EL DORADO CA
Township / Civil Division	NORTH EL DORADO
Census Block Group	1
Census Block	1011
Census Tract	30901

Owner

Source: El Dorado County records, as of October 19, 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	4781 MOUNTAIN VIEW DR, LOTUS, CA 95651-9743
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

Deeds, Mortgages & Sale History

Date	Document
May 8, 2023	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Aug 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Mar 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2002 · Amount on Record
Deed Sale	Jul 3, 2002 · Amount on Record
Deed Document Number	200248064
Last Transfer Date	Sep 27, 2005
Transfer Doc	0000083277
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4781 MOUNTAIN VIEW DR, LOTUS, CA 95651-9743
Transaction Type	Mortgage
Record Updated	May 18, 2023
Title Company	MEMBERS TITLE COMPANY/CA INC, MEMBERS TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1128, LOTUS, CA 95651-1128

Mortgage

Document Number	0000012562
Date	May 8, 2023
Instrument	2023-0012562

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 17, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4781 MOUNTAIN VIEW DR, LOTUS, CA 95651-9743
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 MOUNTAIN VIEW DR, LOTUS, CA 95651

Mortgage

Document Number	0000034562
Date	Aug 23, 2022
Instrument	2022-0034562

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Feb 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4781 MOUNTAIN VIEW DR, LOTUS, CA 95651-9743
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010815
Date	Mar 9, 2020
Instrument	2020-0010815

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

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	Gold Trail Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$612,000 (-) Land $172,500 Building $439,500
2025	$6,392.00 (+0.41%) Homeowner's exemption	$612,000 (-) Land $172,500 Building $439,500
2023	$6,366.00 (-0.81%) Homeowner's exemption	$612,000 Land $172,500 Building $439,500
2022	$6,418.00

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 · 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	2 (1997–1998)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 1998 · 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	Extreme above 95% of the US · above 82% 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 7 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: AT&T, Verizon.

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