495 Hardy St, Arbuckle, CA 95912 Property Records

Colusa County property record for 495 Hardy St, Arbuckle, CA 95912

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,638 sqft · built 2005
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on File
Last Sale	$319,000 (Aug 2016)
Tax Bill	$4,056 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Sep 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`022-071-004-000`

Property Details

APN / Parcel Number

Primary APN	`022-071-004-000`
Alternative APN	`22071004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	1,638 sqft Living Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2006
Construction Type	Wood
Lot Area	47,916 sqft (1.1 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	22071004
Street Address	495 HARDY ST
City	ARBUCKLE
State	CA
Zip	95912-9576
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.10 AC POR SEC 5 T13N R1W
Legal Range	01W
Legal Township	13N
Legal Section	05
Legal Subdivision	GARY LAKE DENNY & JANET M DENN
Jurisdiction	COLUSA CA
Township / Civil Division	CENTRAL COLUSA
Census Block Group	2
Census Block	2011
Census Tract	100

Owner

495 Hardy St is owned and occupied by two individuals who bought it in August 2016.

Source: Colusa County records, as of October 13, 2025

Owner of Record	2 Individual Names on File
Mailing Address	495 HARDY ST, ARBUCKLE, CA 95912-9576
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
Sep 6, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Sep 7, 2021	Deed of Trust, Mortgage · Commercial Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2016 · Amount on File
Deed Sale	Aug 24, 2016 · Amount on File
Prior Sale	Apr 2, 2015 · Amount on File
Deed Document Number	2016-0002828
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLUSA CA
Property Address	495 HARDY ST, ARBUCKLE, CA 95912-9576
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 HARDY ST, ARBUCKLE, CA 95912-9576

Mortgage

Document Number	0000002879
Date	Sep 6, 2022
Instrument	2022-0002879

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	FORT WORTH, TX 76155

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLUSA CA
Property Address	495 HARDY ST, ARBUCKLE, CA 95912-9576
Transaction Type	Mortgage
Record Updated	Oct 13, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 HARDY ST, ARBUCKLE, CA 95912-9576

Mortgage

Document Number	20210003626
Date	Sep 7, 2021
Instrument	2021-0003626

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	239 Months
Due	Aug 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 495 Hardy St was $4,056 with a homeowner's exemption.

Source: Colusa County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	California
County	Colusa County
Unified School District	Pierce Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,056.00 Homeowner's exemption	$370,220 Land $87,041 Building $283,179
2023	$3,955.00 (+2.78%) Homeowner's exemption	$355,846 Land $83,662 Building $272,184
2022	$3,848.00

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

Flood

FEMA maps place 495 Hardy St in Zone X, an area of moderate flood risk, though there have been 6 flood claims nearby since 1983.

Source: FEMA National Flood Hazard Layer, effective March 27, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	6 (1983–2019)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Feb 2019 · Severe Winter Storms, Flooding, Landslides, 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 495 Hardy St is moderate, ranking above 44% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · lower than 74% of California
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
DigitalPath Fixed Wireless	200 / 20
Succeed.Net Fixed Wireless	100 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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