5980 Prospectors Rd, Lotus, CA 95651 Property Records

El Dorado County property record for 5980 Prospectors Rd, Lotus, CA 95651

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 2,556 sqft · built 2012
Lot Size	17.4 acres (759,686 sqft)
Owner	2 Individual Names on File
Last Sale	$695,000 (Apr 2019)
Tax Bill	$9,197 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`088-010-002-000`

Property Details

APN / Parcel Number

Primary APN	`088-010-002-000`
Alternative APNs	`08801002100` `0880100210`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,556 sqft Living Area
1st Floor Area	2,556 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Construction Type	Wood
Lot Area	759,686 sqft
Garage Type	Attached
Garage Area	859 sqft
Parking Spaces	3 Parking Spaces
Patio Area	2,556 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Well

Location & Zoning

Street Address	5980 PROSPECTORS RD
City	GARDEN VALLEY
State	CA
Zip	95633
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA20
Legal Description	RS 31/39/1
Legal Subdivision	TRACT 01
Legal Tract	1
Legal Lot Number	1
Jurisdiction	EL DORADO CA
Township / Civil Division	NORTH EL DORADO
Census Block Group	3
Census Block	3025
Census Tract	30606

Owner

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	5980 PROSPECTORS RD, LOTUS, CA 95651
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 17, 2019	Grant Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2019 · Amount on File
Deed Sale	Apr 17, 2019 · Amount on File
Deed Document Number	201913302
Prior Transfer Date	Nov 8, 2012
Prior Transfer Doc	0000058599
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	5980 PROSPECTORS RD, LOTUS, CA 95651
Transaction Type	Mortgage
Record Updated	Oct 4, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5980 PROSPECTORS RD, LOTUS, CA 95651

Mortgage

Document Number	0000060151
Date	Sep 21, 2021
Instrument	2021-0060151

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Apr 17, 2019
Property Address	5980 PROSPECTORS RD, LOTUS, CA 95651
Document Number	0000013302
Instrument Date	Apr 12, 2019
Instrument	2019-0013302
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	NORTH AMERICAN TITLE CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5980 PROSPECTORS RD, LOTUS, CA 95651

Mortgage

Document Number	0000013303
Date	Apr 17, 2019
Instrument	2019-0013303

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	El Dorado County
Unified School District	Black Oak Mine Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$840,425 (+2%) Land $335,656 Building $504,769
2025	$9,197.00 (+8.85%)	$823,947 (+4.04%) Land $329,075 Building $494,872
2023	$8,449.00 (+1.54%)	$791,954 Land $316,298 Building $475,656
2022	$8,321.00

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

Flood

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	3 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

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

Wildfire Risk	Extreme above 95% of the US · above 82% of California
Wildfire Likelihood	2% 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.

Drinking Water

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 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

Cell Coverage

4G LTE only, no 5G reported

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