488 River St, Lincoln, CA 95648 Property Records

Placer County property record for 488 River St, Lincoln, CA 95648

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,606 sqft · built 2021
Owner	Individual Name on Record
Last Sale	$590,000 (Oct 2025)
Tax Bill	$6,328 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`329-140-035-000`

Property Details

APN / Parcel Number

Primary APN	`329-140-035-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,606 sqft Living Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Construction Type	Wood
Garage Area	421 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	488 RIVER ST
City	LINCOLN
State	CA
Zip	95648-7625
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 35 TWELVE BRIDGES VILLAGE 2A MOR EE-46
Legal Subdivision	TWELVE BRIDGES VILL
Legal Lot Number	35
Jurisdiction	PLACER CA
Township / Civil Division	LINCOLN
Census Block Group	3
Census Block	3007
Census Tract	23502

Owner

Source: Placer County records, as of July 13, 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	488 RIVER ST, LINCOLN, CA 95648-7625
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2025	Grant Deed, Transfer · Conventional Mortgage THE LOAN STORE INC
Feb 10, 2021	Grant Deed, Subdivision Related Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2025 · Amount on Record
Deed Sale	Oct 27, 2025 · Amount on Record
Prior Sale	Feb 10, 2021 · Amount on Record
Deed Document Number	202558559
Record Updated	Sep 20, 2026

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PLACER CA
Recording Date	Oct 27, 2025
Property Address	488 RIVER ST, LINCOLN, CA 95648-7625
Document Number	0000058559
Map Reference	MB EE PG 46
Instrument Date	Oct 21, 2025
Instrument	2025-0058559
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	488 RIVER ST, LINCOLN, CA 95648-7625

Mortgage

Document Number	0000058560
Date	Oct 27, 2025
Instrument	2025-0058560

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

February 2021: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	PLACER CA
Recording Date	Feb 10, 2021
Property Address	488 RIVER ST, LINCOLN, CA 95648-7625
Document Number	0000018942
Map Reference	MB EE PG 46
Instrument Date	Feb 9, 2021
Instrument	2021-0018942
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 7, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Relationship	Tenants in Common
Address	488 RIVER ST, LINCOLN, CA 95648-7625

Mortgage

Document Number	0000018943
Date	Feb 10, 2021
Instrument	2021-0018943

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Placer County assessment roll, as of July 13, 2026

Property Jurisdictions

Type	Name
State	California
County	Placer County
Municipality	Lincoln City
Unified School District	Western Placer Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$590,000 (+11.78%) Land $195,000 Building $395,000
2025	$6,328.00 (+0.78%) Homeowner's exemption	$527,810 (+7.28%) Land $162,364 Building $365,446
2023	$6,279.00 (-0.87%) Homeowner's exemption	$492,000 Land $151,300 Building $340,700
2022	$6,334.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 17, 2026 · 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	2 in force

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	Moderate above 52% of the US · lower than 69% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	CITY OF LINCOLN serves 56,268 people · EPA ID CA3110004
Water Source	Purchased surface water from PLACER CWA - FOOTHILL
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2025–2027) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Astound Broadband Fiber · Cable	1,500 / 1,500
Zeta Broadband Fixed Wireless	400 / 50
Corridor Wireless Fixed Wireless	100 / 100
Cal.net Fixed Wireless	100 / 20

May also be available: Verizon.

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