5521 Oak Leaf Cir, Placerville, CA 95667 Property Records

El Dorado County property record for 5521 Oak Leaf Cir, Placerville, CA 95667

Property Summary

Property Type	Rural Home
Details	4 bd · 2 ba · 2,796 sqft · built 1988
Lot Size	5.05 acres (219,978 sqft)
Owner	2 Individual Names on File
Last Sale	$480,000 (Nov 2017)
Tax Bill	$5,936 (2025)
Deeds & Mortgages	May 2021 Mortgage Jun 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`078-220-049-000`

Property Details

APN / Parcel Number

Primary APN	`078-220-049-000`
Alternative APNs	`07822049100` `0782204910`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,796 sqft Living Area
1st Floor Area	2,796 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Wood
Lot Area	219,978 sqft
Terrain	Rolling
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Patio Area	2,796 sqft

Location & Zoning

Street Address	5521 OAK LEAF CIR
City	PLACERVILLE
State	CA
Zip	95667-9510
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RE5
Legal Description	PM 25/24/A
Legal Subdivision	P
Jurisdiction	EL DORADO CA
Township / Civil Division	SOUTH EL DORADO
Census Block Group	3
Census Block	3018
Census Tract	31406

Owner

5521 Oak Leaf Cir, a rural home, is owned and occupied by two individuals who bought it in November 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	5521 OAK LEAF CIR, PLACERVILLE, CA 95667-9510
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2021	Deed of Trust, Mortgage · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 14, 2017	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Feb 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Nov 13, 2017	Grant Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2017 · Amount on File
Deed Sale	Nov 13, 2017 · Amount on File
Prior Sale	Jul 21, 2009 · Amount on File
Deed Document Number	201750788
Prior Transfer Date	Jun 27, 2008
Prior Transfer Doc	0000033435
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	5521 OAK LEAF CIR, PLACERVILLE, CA 95667-9510
Transaction Type	Mortgage
Record Updated	Jun 7, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5521 OAK LEAF CIR, PLACERVILLE, CA 95667-9510

Mortgage

Document Number	0000035178
Date	May 24, 2021
Instrument	2021-0035178

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	356 Months
Due	Jan 1, 2051

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	5521 OAK LEAF CIR, PLACERVILLE, CA 95667-9510
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023995
Date	Jun 14, 2017
Instrument	2017-0023995

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	420 Months
Due	Jun 2, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	5521 OAK LEAF CIR, PLACERVILLE, CA 95667-9510
Document Number	0000011606
Instrument Date	Feb 28, 2019
Transaction Type	Mortgage
Record Updated	Jun 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5521 OAK LEAF CIR PLACERVILLE CA 956679510, PLACERVILLE, CA 95667-9510

Mortgage

Document Number	0000011606
Date	Apr 5, 2019
Instrument	11606

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 4, 2029

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Nov 13, 2017
Property Address	5521 OAK LEAF CIR, PLACERVILLE, CA 95667-9510
Document Number	0000050788
Instrument Date	Nov 8, 2017
Instrument	50788
Transaction Type	Transfer
Record Updated	Jun 11, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$528.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	5521 OAK LEAF CIR PLACERVILLE CA 956679510, PLACERVILLE, CA 95667-9510

Mortgage

Document Number	50789
Date	Nov 13, 2017
Instrument	50789

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 12, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 5521 Oak Leaf Cir was $5,936 with a homeowner's exemption.

Source: El Dorado County assessment roll, as of September 16, 2026

Property Jurisdictions

Type	Name
State	California
County	El Dorado County
Secondary School District	El Dorado Union High School District (09 - 12)
Elementary School District	Gold Oak Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$557,074 (+2%) Land $174,084 Building $382,990
2025	$5,936.00 Homeowner's exemption	$546,152 Land $170,671 Building $375,481
2023	$5,699.00 (+1.48%) Homeowner's exemption	$524,946 Land $164,045 Building $360,901
2022	$5,616.00

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

Flood

FEMA maps place 5521 Oak Leaf Cir 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	1 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

Wildfire risk around 5521 Oak Leaf Cir is extreme, ranking above 97.1% 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 97.1% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EL DORADO ID - MAIN serves 128,408 people · EPA ID CA0910001
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 31 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
AT&T Fixed Wireless · DSL	25 / 3

May also be available: Verizon.

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