El Dorado County property record for 5422 American Flat Trl, Garden Valley, CA 95633
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 2,181 sqft · built 1993 |
| Lot Size | 2.41 acres (104,980 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $390,000 (May 2017) |
| Tax Bill | $5,147 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage May 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 088-110-003-000 |
| Primary APN | 088-110-003-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 2,181 sqft Living Area |
| 1st Floor Area | 2,181 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1999 |
| Construction Type | Wood |
| Lot Area | 104,980 sqft |
| Terrain | Wooded |
| Patio Area | 2,181 sqft |
| Water Source | Well |
|---|
| Street Address | 5422 AMERICAN FLAT TRL |
|---|---|
| City | GARDEN VALLEY |
| State | CA |
| Zip | 95633-9203 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | RE10 |
| Legal Description | PM 9/64/2 |
| Jurisdiction | EL DORADO CA |
| Township / Civil Division | NORTH EL DORADO |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 30605 |
5422 American Flat Trl, a rural home, is owned and occupied by two individuals who bought it in May 2017.
Source: El Dorado County records, as of September 16, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5422 AMERICAN FLAT TRL, GARDEN VALLEY, CA 95633-9203 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Jun 10, 2021 | Deed of Trust, Mortgage · VA Mortgage CHANGE LENDING LLC |
| May 1, 2017 | Grant Deed, Transfer · VA Mortgage ACADEMY MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2017 · Amount on File |
| Deed Sale | May 1, 2017 · Amount on File |
| Prior Sale | Dec 23, 2013 · Amount on File |
| Deed Document Number | 201717454 |
| Prior Transfer Date | May 21, 1996 |
| Prior Transfer Doc | 0000051584 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 5422 AMERICAN FLAT TRL, GARDEN VALLEY, CA 95633-9203 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2021 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 5422 AMERICAN FLAT TRL, GARDEN VALLEY, CA 95633-9203 |
| Document Number | 0000038960 |
|---|---|
| Date | Jun 10, 2021 |
| Instrument | 2021-0038960 |
| Name | CHANGE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92606 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | May 1, 2017 |
| Property Address | 5422 AMERICAN FLAT TRL, GARDEN VALLEY, CA 95633-9203 |
| Document Number | 0000017454 |
| Map Reference | MB 9 PG 64 |
| Instrument Date | Apr 24, 2017 |
| Instrument | 2017-0017454 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2021 |
| Title Company | PLACER TITLE CO |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 5422 AMERICAN FLAT TRL, GARDEN VALLEY, CA 95633-9203 |
| Document Number | 0000017455 |
|---|---|
| Date | May 1, 2017 |
| Instrument | 2017-0017455 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2047 |
The 2025 property tax bill for 5422 American Flat Trl was $5,147.
Source: El Dorado County assessment roll, as of September 16, 2026
| Type | Name |
|---|---|
| State | California |
| County | El Dorado County |
| Unified School District | Black Oak Mine Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $461,674 (+2%) Land $124,295 Building $337,379 | |
| 2025 | $5,147.00 | $452,622 Land $121,858 Building $330,764 |
| 2023 | $4,975.00 (+1.49%) | $435,048 Land $117,127 Building $317,921 |
| 2022 | $4,902.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 5422 American Flat Trl in Zone X, an area of minimal flood risk.
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 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 risk around 5422 American Flat Trl is extreme, ranking above 97.2% of the US, with a 2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Extreme above 97.2% of the US · above 86% of California |
|---|---|
| Wildfire Likelihood | 2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GEORGETOWN DIVIDE PUD serves 9,434 people · EPA ID CA0910013 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Cal.net Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures