4987 Railroad Flat Rd, Mountain Ranch, CA 95246 Property Records

Calaveras County property record for 4987 Railroad Flat Rd, Mountain Ranch, CA 95246

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,786 sqft · built 1981
Lot Size	2.15 acres (93,654 sqft)
Owner	Individual Name on Record
Last Sale	$189,500 (Sep 2024)
Tax Bill	$1,194 (2025)
Flood Zone	Zone X (minimal risk)
APN	`020-025-002-000`

Property Details

APN / Parcel Number

Primary APN	`020-025-002-000`
Alternative APN	`020025002`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,786 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1982
Architectural Style	Modern
Construction Type	Wood
Lot Area	93,654 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	4987 RAILROAD FLAT RD
City	MOUNTAIN RANCH
State	CA
Zip	95246
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR2
Legal Description	EL RANCHO LOMA SERENA 1 2 3 LOT 48
Legal Subdivision	EL RANCHO LOMA SERENA
Legal Lot Number	48
Legal Unit	1
Jurisdiction	CALAVERAS CA
Township / Civil Division	ARNOLD-WEST POINT
Census Block Group	4
Census Block	4095
Census Tract	400

Owner

Source: Calaveras County records, as of July 2, 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	4987 RAILROAD FLAT RD, MOUNTAIN RANCH, CA 95246
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2024 · Amount on Record
Deed Sale	Sep 16, 2024 · Amount on Record
Prior Sale	Apr 13, 2012 · Amount on Record
Deed Document Number	20249541
Prior Transfer Date	Apr 12, 2012
Prior Transfer Doc	0000004526
Record Updated	Oct 29, 2026

Tax Assessment & Valuation

Source: Calaveras County assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	California
County	Calaveras County
Unified School District	Calaveras Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$80,703 (+2%) Land $23,055 Building $57,648
2025	$1,194.00 (+1.53%)	$79,121 (+4.04%) Land $22,603 Building $56,518
2023	$1,176.00 (+10.32%)	$76,050 Land $21,726 Building $54,324
2022	$1,066.00

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

Source: FEMA National Flood Hazard Layer, effective June 30, 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	1 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2016 · 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 81% of California
Wildfire Likelihood	2% 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3