Placer County property record for 554 M St, Lincoln, CA 95648
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 1 ba · 1,838 sqft · built 1940 |
| Lot Size | 0.148 acres (6,437 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $225,000 (Jul 2015) |
| Tax Bill | $2,072 (2025) |
| Deeds & Mortgages | Dec 2023 Line of Credit Jan 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 008-063-003-000 |
| Primary APN | 008-063-003-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,838 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Cape Cod |
| Construction Type | Frame |
| Lot Area | 6,437 sqft (0.148 acres) |
| Street Address | 554 M ST |
|---|---|
| City | LINCOLN |
| State | CA |
| Zip | 95648-2504 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | L 4 BLK 20 WESTERN ADD #2 |
| Legal Subdivision | WESTERN ADD |
| Legal Block | 20 |
| Legal Lot Number | 4 |
| Jurisdiction | PLACER CA |
| Township / Civil Division | LINCOLN |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 21403 |
Source: Placer County records, as of July 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 554 M ST, LINCOLN, CA 95648-2504 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Dec 21, 2023 | Deed of Trust, Mortgage · Line of Credit THE GOLDEN 1 CU |
| Jan 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Dec 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Apr 26, 2021 | Intrafamily Transfer, Transfer STEWART TITLE, STEWART TITLE OF PLACER |
| Sep 5, 2018 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 14, 2015 · Amount on Record |
| Deed Sale | Jul 14, 2015 · Amount on Record |
| Deed Document Number | 201560283 |
| Last Transfer Date | Mar 1, 2021 |
| Transfer Doc | 0000056577 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PLACER CA |
| Property Address | 554 M ST, LINCOLN, CA 95648-2504 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Title Company | PLACER TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 554 M ST A, A, LINCOLN, CA 95648-2504 |
| Document Number | 0000068642 |
|---|---|
| Date | Dec 21, 2023 |
| Instrument | 2023-0068642 |
| Name | THE GOLDEN 1 CU |
|---|---|
| Type | Credit Union |
| Address | SACRAMENTO, CA 95826 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PLACER CA |
| Property Address | 554 M ST, LINCOLN, CA 95648-2504 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 554 M ST, LINCOLN, CA 95648-2504 |
| Document Number | 0000007206 |
|---|---|
| Date | Jan 25, 2022 |
| Instrument | 2022-0007206 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | ANN ARBOR, MI 48105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PLACER CA |
| Property Address | 554 M ST, LINCOLN, CA 95648-2504 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 554 M ST, LINCOLN, CA 95648-2504 |
| Document Number | 0000140958 |
|---|---|
| Date | Dec 2, 2020 |
| Instrument | 2020-0140958 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | PLACER CA |
| Recording Date | Apr 26, 2021 |
| Property Address | 554 M ST, LINCOLN, CA 95648-2504 |
| Document Number | 0000056577 |
| Map Reference | MB C PG 59 |
| Instrument Date | Mar 1, 2021 |
| Instrument | 2021-0056577 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2021 |
| Title Company | STEWART TITLE, STEWART TITLE OF PLACER |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 554 M ST, LINCOLN, CA 95648-2504 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PLACER CA |
| Property Address | 554 M ST, LINCOLN, CA 95648-2504 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SOLIDIFI US INC |
| Name | Verified Name |
|---|
| Document Number | 0000064225 |
|---|---|
| Date | Sep 5, 2018 |
| Instrument | 2018-0064225 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 177 Months |
| Due | Jun 24, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Placer County assessment roll, as of July 13, 2026
| Type | Name |
|---|---|
| State | California |
| County | Placer County |
| Municipality | Lincoln City |
| Unified School District | Western Placer Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $207,443 (+2%) Land $47,845 Building $159,598 | |
| 2025 | $2,072.00 (+2.52%) Homeowner's exemption | $203,376 (+4.04%) Land $46,907 Building $156,469 |
| 2023 | $2,021.00 (+1.56%) Homeowner's exemption | $195,481 Land $45,087 Building $150,394 |
| 2022 | $1,990.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective May 17, 2026 · 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 |
| Nearby Flood Claims | 1 (1995) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 1995 · Severe Winter Storms, Flooding, Landslides, Mud Flows |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | CITY OF LINCOLN serves 56,268 people · EPA ID CA3110004 |
|---|---|
| Water Source | Purchased surface water from PLACER CWA - FOOTHILL |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2025–2027) 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 454 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber Fiber | 2,000 / 2,000 |
| Astound Broadband Cable | 1,500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Corridor Wireless Fixed Wireless | 100 / 100 |
| Cal.net Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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