4796 Willow St, El Dorado, CA 95623 Property Records

El Dorado County property record for 4796 Willow St, El Dorado, CA 95623

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,080 sqft · built 1983
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$226,000 (Jun 2015)
Tax Bill	$2,114 (2025)
Deeds & Mortgages	May 2018 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`331-191-057-000`

Property Details

APN / Parcel Number

Primary APN	`331-191-057-000`
Alternative APNs	`33119157100` `3311915710`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,080 sqft Living Area
1st Floor Area	1,080 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	324 sqft
Parking Spaces	1 Parking Space
Patio Area	1,080 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	4796 WILLOW ST
City	DIAMOND SPRINGS
State	CA
Zip	95619
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	RS 10/6/C TOM ALLEN TR
Legal Subdivision	TOM ALLEN TR
Legal Lot Number	18,19
Jurisdiction	EL DORADO CA
Township / Civil Division	SOUTH EL DORADO
Census Block Group	1
Census Block	1015
Census Tract	31504

Owner

4796 Willow St is owned and occupied by two individuals who acquired it in December 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	4796 WILLOW ST, EL DORADO, CA 95623-4308
Occupancy	Owner Occupied
Owner Type	Individual

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 30, 2018	Deed of Trust, Mortgage SCHOOLS FCU
Apr 6, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Dec 26, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2015 · Amount on File
Deed Sale	Jun 5, 2015 · Amount on File
Deed Document Number	201525404
Last Transfer Date	Dec 11, 2019
Transfer Doc	0000055477
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4796 WILLOW ST, EL DORADO, CA 95623-4308
Transaction Type	Mortgage
Record Updated	Jul 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020770
Date	May 30, 2018
Instrument	2018-0020770

Lender

Name	SCHOOLS FCU
Type	Credit Union
Address	SACRAMENTO, CA 95853

Agreement

Amount	Amount on Record

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EL DORADO CA
Recording Date	Apr 6, 2021
Property Address	4796 WILLOW ST, EL DORADO, CA 95623-4308
Document Number	0000023890
Map Reference	MB A PG 58
Instrument Date	Mar 31, 2021
Instrument	2021-0023890
Transaction Type	Transfer
Record Updated	Jul 19, 2022
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO INC

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
Relationship	Joint Tenants
Address	4796 WILLOW ST, EL DORADO, CA 95623-4308

Mortgage

Document Number	0000023891
Date	Apr 6, 2021
Instrument	2021-0023891

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EL DORADO CA
Recording Date	Dec 26, 2019
Property Address	4796 WILLOW ST, EL DORADO, CA 95623-4308
Document Number	0000055477
Map Reference	MB A PG 58
Instrument Date	Dec 11, 2019
Instrument	2019-0055477
Transaction Type	Transfer
Record Updated	Jul 19, 2022
Title Company	PLACER TITLE COMPANY

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
Relationship	Joint Tenants
Address	4796 WILLOW ST, EL DORADO, CA 95623-4308

Mortgage

Document Number	0000055478
Date	Dec 26, 2019
Instrument	2019-0055478

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4796 Willow St was $2,114.

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		$202,140 (+2%) Land $73,564 Building $128,576
2025	$2,114.00	$198,177 Land $72,122 Building $126,055
2023	$2,014.00 (+0.65%)	$190,483 Land $69,322 Building $121,161
2022	$2,001.00

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

Flood

FEMA maps place 4796 Willow St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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 Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2017 · Severe Winter Storms, Flooding, And Mudslides

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 4796 Willow St is high, ranking above 73% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 73% of the US · above 49% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EL DORADO ID - MAIN serves 128,408 people · EPA ID CA0910001
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 256 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Cal.net Fixed Wireless	100 / 20

May also be available: Verizon, Zeta Broadband.

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