550 Orchard Ave, Applegate, CA 95703 Property Records

Placer County property record for 550 Orchard Ave, Applegate, CA 95703

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,558 sqft · built 1987
Lot Size	6.5 acres (283,140 sqft)
Owner	Company Name on File
Tax Bill	$3,802 (2025)
Deeds & Mortgages	Oct 2023 Reverse Mortgage May 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`073-190-053-000`

Property Details

APN / Parcel Number

Primary APN	`073-190-053-000`
Alternative APN	`073-190-053`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,558 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1990
Architectural Style	Bungalow
Construction Type	Frame
Lot Area	283,140 sqft
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	073-190-053
Street Address	550 ORCHARD AVE
City	APPLEGATE
State	CA
Zip	95703-9777
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	F
Legal Description	6.5 AC SEC 5 13 9
Legal Range	9E
Legal Township	13N
Legal Section	5
Legal Subdivision	MANZANITA RIDGE TRACT 434
Jurisdiction	PLACER CA
Township / Civil Division	COLFAX-MONUMENTAL RIDGE
Census Block Group	3
Census Block	3000
Census Tract	21902

Owner

Source: Placer County records, as of July 13, 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	Company Name on File
Mailing Address	550 ORCHARD AVE, APPLEGATE, CA 95703-9777
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2023	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
May 2, 2022	Affidavit of Death of Joint Tenant, Transfer
May 2, 2022	Intrafamily Transfer, Transfer
Mar 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Oct 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage PMAC LENDING SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 18, 2022
Transfer Doc	0000037982
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	550 ORCHARD AVE, APPLEGATE, CA 95703-9777
Transaction Type	Mortgage
Record Updated	Oct 24, 2023
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550C ORCHARD AVE, APPLEGATE, CA 95703-9777

Mortgage

Document Number	0000053968
Date	Oct 10, 2023
Instrument	2023-0053968

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	913 Months
Due	Nov 13, 2099

Interest

Rate Type	Adjustable Rate
Rate	7.71%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.7%

May 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	PLACER CA
Recording Date	May 2, 2022
Property Address	550 ORCHARD AVE, APPLEGATE, CA 95703-9777
Document Number	0000037981
Instrument Date	Apr 18, 2022
Instrument	2022-0037981
Transaction Type	Transfer
Record Updated	May 11, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 100, APPLEGATE, CA 95703-0100

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PLACER CA
Recording Date	May 2, 2022
Property Address	550 ORCHARD AVE, APPLEGATE, CA 95703-9777
Document Number	0000037982
Map Reference	MB 1190 PG 527
Instrument Date	Apr 18, 2022
Instrument	2022-0037982
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Living Trust
Address	550 ORCHARD AVE, APPLEGATE, CA 95703-9777

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	550 ORCHARD AVE, APPLEGATE, CA 95703-9777
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014028
Date	Mar 8, 2019
Instrument	2019-0014028

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2034

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	550 ORCHARD AVE, APPLEGATE, CA 95703-9777
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 ORCHARD AVE, APPLEGATE, CA 95703-9777

Mortgage

Document Number	0000121924
Date	Oct 27, 2020
Instrument	2020-0121924

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Placer County
Elementary School District	Placer Hills Union Elementary School District (KG - 08)
Secondary School District	Placer Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$342,317 (+2%) Land $80,789 Building $261,528
2025	$3,802.00 (+1.44%) Homeowner's exemption	$335,605 (+4.04%) Land $79,205 Building $256,400
2023	$3,748.00 (+2.1%) Homeowner's exemption	$322,575 Land $76,130 Building $246,445
2022	$3,671.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Very High above 93% of the US · above 77% of California
Wildfire Likelihood	0.9% 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	500 / 20
Starlink Satellite	280 / 30
SmarterBroadband Fixed Wireless	100 / 25

May also be available: Cal.net.

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