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5546 Railroad Flat Rd, Mountain Ranch, CA 95246 Property Records

Calaveras County property record for 5546 Railroad Flat Rd, Mountain Ranch, CA 95246 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1996
Square Footage1,904 sqft Living Area
Lot Size3.43 acres
Garage672 sqft
OccupancyOwner Occupied
Tax Bill$3,450.00 (2025)

Owner

Source: Calaveras County records · APN 020-019-013-000

Assessment roll updated July 2, 2026 · Last verified August 2026

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

Owner of Record2 Individual Names on File
Mailing Address5546 RAILROAD FLAT RD, MOUNTAIN RANCH, CA 95246-9780
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 13, 2022Intrafamily Transfer, Transfer
Jan 24, 2019Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
PLAZA HOME MORTGAGE INC
Jan 18, 2019Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
COMMISSIONER/HSNG & URBAN DEV
Apr 19, 2017Quit Claim Deed, Transfer
Quitclaim Document

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last Transfer DateApr 25, 2022
Transfer Doc0000006530
Record RefreshedSep 20, 2026

May 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionCALAVERAS CA
Recording DateMay 13, 2022
Property Address5546 RAILROAD FLAT RD, MOUNTAIN RANCH, CA 95246-9780
Document Number0000006530
Map ReferenceMB 3
Instrument DateApr 25, 2022
Instrument2022-006530
Transaction TypeTransfer
Record UpdatedJun 07, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Living Trust
Address5546 RAILROAD FLAT RD, MOUNTAIN RANCH, CA 95246-9780

January 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCALAVERAS CA
Property Address5546 RAILROAD FLAT RD, MOUNTAIN RANCH, CA 95246-9780
Transaction TypeMortgage
Record UpdatedFeb 07, 2021
Title CompanyPLACER TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000000704
DateJan 24, 2019
Instrument2019-000704
Lender
NamePLAZA HOME MORTGAGE INC
TypeMortgage Company
AddressSAN DIEGO, CA 92121
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded

January 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCALAVERAS CA
Property Address5546 RAILROAD FLAT RD, MOUNTAIN RANCH, CA 95246-9780
Document Number0000000705
Instrument DateJan 18, 2019
Transaction TypeMortgage
Record UpdatedFeb 22, 2019
Title CompanySPL EXPRESS INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address5546 RAILROAD FLAT RD MOUNTAIN RANCH CA 952469780, MOUNTAIN RANCH, CA 95246-9780

Mortgage

Document Number0000000705
DateJan 24, 2019
Instrument705
Lender
NameCOMMISSIONER/HSNG & URBAN DEV
AddressWASHINGTON, DC 20410
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term924 Months
DueJan 23, 2096
Interest
Rate TypeAdjustable Rate
Rate4.01%

April 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionCALAVERAS CA
Recording DateApr 19, 2017
Property Address5546 RAILROAD FLAT RD, MOUNTAIN RANCH, CA 95246-9780
Document Number0000004224
Instrument DateSep 22, 2016
Instrument4224
Transaction TypeTransfer
Record UpdatedMay 23, 2017

Transaction

Tax$0.00
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
AddressPO BOX 578 MOUNTAIN RANCH CA 952460578, MOUNTAIN RANCH, CA 95246-0578

Tax Assessment & Valuation

Source: Calaveras County records · Assessment roll updated July 2, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateCalifornia
CountyCalaveras County
Unified School DistrictCalaveras Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2026$301,534 (+2%) Land $43,162 Building $258,372
2025$3,450.00 (+2.07%) Homeowner's exemption$295,622 (+4.04%) Land $42,316 Building $253,306
2023$3,380.00 (+1.93%) Homeowner's exemption$284,145 Land $40,674 Building $243,471
2022$3,316.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Calaveras County (06009C), updated June 30, 2022 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone A, within 500 ft

Wildfire

Wildfire RiskHigh
above 88% of the US · above 70% of California
Wildfire LikelihoodAbout 1 in 86 per year
ExposureDirect
burnable vegetation at the parcel

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

Property Details

APN / Parcel Number

Primary APN020-019-013-000
Alternative APN
  • 020-019-013

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,904 sqft Living Area
1st Floor1,904 sqft 1st Floor
Stories1 Stories
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 1996
Architectural StyleConventional Style
Construction TypeWood Construction
Lot Area149,411 sqft
Parking Spaces2 Parking Spaces
Garage Area672 sqft Garage

Utilities and HVAC

SewageSeptic Sewage
Water SourceWell Water Source

Location & Zoning

Old Parcel Number020-019-013
Street Address5546 RAILROAD FLAT RD
CityMOUNTAIN RANCH
StateCA
Zip95246-9780
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionEL RANCHO LOMA SERENA 1 2 3 LOT 75
Legal SubdivisionEL RANCHO LOMA SERENA
Legal Lot Number75
Legal Unit1
JurisdictionCALAVERAS CA
Minor Civil DivisionSAN ANDREAS
Census Blockgroup1
Census Block1005
Census Tract302

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