51 Elm St, Sutter Creek, CA 95685 Property Records

Amador County property record for 51 Elm St, Sutter Creek, CA 95685

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 1985
Lot Size	0.2 acres (8,712 sqft)
Owner	Company Name on Record
Tax Bill	$1,957 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Mar 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`018-201-052-000`

Property Details

APN / Parcel Number

Primary APN	`018-201-052-000`
Alternative APNs	`018201041000` `1820105200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,200 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	8,712 sqft (0.2 acres)
Garage Area	490 sqft

Location & Zoning

Street Address	51 ELM ST
City	SUTTER CREEK
State	CA
Zip	95685-4270
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	61M17 ADJ PAR 2, POR LOT 18 BLK 22
Legal Subdivision	SUTTER CREEK
Legal Block	22
Legal Lot Number	18
Jurisdiction	AMADOR CA
Township / Civil Division	IONE
Census Block Group	1
Census Block	1055
Census Tract	303

Owner

Source: Amador County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	51 ELM ST, SUTTER CREEK, CA 95685-4270
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Mar 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 19, 2021	Intrafamily Transfer, Transfer AMROCK LLC
May 24, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 13, 2021
Transfer Doc	0000004639
Record Updated	Sep 20, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	AMADOR CA
Recording Date	Apr 19, 2021
Property Address	51 ELM ST, SUTTER CREEK, CA 95685-4270
Document Number	0000004639
Instrument Date	Apr 13, 2021
Instrument	2021-0004639
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	AMROCK INC, AMROCK LLC

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
Address	51 ELM ST, SUTTER CREEK, CA 95685-4270

Mortgage

Document Number	0000004640
Date	Apr 19, 2021
Instrument	2021-0004640

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Dec 1, 2050

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMADOR CA
Property Address	51 ELM ST, SUTTER CREEK, CA 95685-4270
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001759
Date	Mar 7, 2017
Instrument	2017-0001759

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	227 Months
Due	Feb 1, 2036

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	AMADOR CA
Recording Date	Apr 19, 2021
Property Address	51 ELM ST, SUTTER CREEK, CA 95685-4270
Document Number	0000004641
Instrument Date	Nov 30, 2020
Instrument	2021-0004641
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	AMROCK LLC

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	Family Trust
Address	51 ELM ST, SUTTER CREEK, CA 95685-4270

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMADOR CA
Property Address	51 ELM ST, SUTTER CREEK, CA 95685-4270
Document Number	0000005520
Instrument Date	May 24, 2018
Transaction Type	Mortgage
Record Updated	Aug 1, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	51 ELM ST SUTTER CREEK CA 95685, SUTTER CREEK, CA 95685

Mortgage

Document Number	0000005520
Date	Jul 23, 2018
Instrument	5520

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Amador County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	California
County	Amador County
Municipality	Sutter Creek City
Unified School District	Amador County Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$204,594 (+2%) Land $50,363 Building $154,231
2025	$1,957.00 (+4.1%) Homeowner's exemption	$200,583 (+4.04%) Land $49,376 Building $151,207
2024			$432,180
2023	$1,880.00 (+2.01%) Homeowner's exemption	$192,796 Land $47,459 Building $145,337
2022	$1,843.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	9 (1980–2022)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Dec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Dec 2022 · 2 claims Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 2 claims

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 57% of the US · lower than 66% of California
Wildfire Likelihood	0.1% 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	AWA, TANNER serves 4,940 people · EPA ID CA0310003
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 254 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Cal.net.

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