635 Karchner Rd, Lincoln, CA 95648 Property Records

Placer County property record for 635 Karchner Rd, Lincoln, CA 95648

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,042 sqft · built 2002
Lot Size	12.7 acres (556,697 sqft)
Owner	Individual Name on Record
Last Sale	$666,000 (Sep 2018)
Tax Bill	$7,866 (2025)
Deeds & Mortgages	Feb 2018 Line of Credit Feb 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`018-070-081-000`

Property Details

APN / Parcel Number

Primary APN	`018-070-081-000`
Alternative APN	`018-070-054-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,042 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Colonial
Construction Type	Frame
Lot Area	556,697 sqft
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	018-070-054-000
Street Address	635 KARCHNER RD
City	LINCOLN
State	CA
Zip	95648-9552
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FBX
Legal Description	12.78 AC PAR A PMOR 15 48 SBE 872-31-37C-6M
Legal Subdivision	WASHINGTON TRACT
Jurisdiction	PLACER CA
Township / Civil Division	LINCOLN
Census Block Group	1
Census Block	1019
Census Tract	21304

Owner

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	Individual Name on Record
Mailing Address	635 KARCHNER RD, LINCOLN, CA 95648-9552
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2018	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Feb 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 10, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage GUARANTEED RATE INC
Sep 27, 2018	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
Sep 27, 2018	Grant Deed, Transfer OLD REPUBLIC TITLE CO
Sep 27, 2018	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2018 · Amount on Record
Deed Sale	Sep 27, 2018 · Amount on Record
Prior Sale	Jul 10, 2001 · Amount on Record
Deed Document Number	201869885
Last Transfer Date	Feb 10, 2020
Transfer Doc	0000021616
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	635 KARCHNER RD, LINCOLN, CA 95648-9552
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009074
Date	Feb 13, 2018
Instrument	2018-0009074

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Lending Institution
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 19, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	635 KARCHNER RD, LINCOLN, CA 95648-9552
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	635 KARCHNER RD, LINCOLN, CA 95648-9552

Mortgage

Document Number	0000018192
Date	Feb 9, 2021
Instrument	2021-0018192

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2041

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PLACER CA
Recording Date	Mar 10, 2020
Property Address	635 KARCHNER RD, LINCOLN, CA 95648-9552
Document Number	0000021616
Map Reference	MB 15 PG 48
Instrument Date	Feb 10, 2020
Instrument	2020-0021616
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	635 KARCHNER RD, LINCOLN, CA 95648-9552

Mortgage

Document Number	0000021617
Date	Mar 10, 2020
Instrument	2020-0021617

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2040

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PLACER CA
Recording Date	Sep 27, 2018
Property Address	635 KARCHNER RD, LINCOLN, CA 95648-9552
Document Number	0000069886
Instrument Date	Sep 24, 2018
Instrument	69886
Transaction Type	Transfer
Record Updated	Sep 17, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	635 KARCHNER RD LINCOLN CA 956489552, LINCOLN, CA 95648-9552

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PLACER CA
Recording Date	Sep 27, 2018
Property Address	635 KARCHNER RD, LINCOLN, CA 95648-9552
Document Number	0000069885
Instrument Date	Sep 19, 2018
Instrument	2018-0069885
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	OLD REPUBLIC TITLE CO

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	635 KARCHNER RD, LINCOLN, CA 95648-9552

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PLACER CA
Recording Date	Sep 27, 2018
Property Address	635 KARCHNER RD, LINCOLN, CA 95648-9552
Document Number	0000069885
Instrument Date	Sep 19, 2018
Instrument	69885
Transaction Type	Transfer
Record Updated	Sep 17, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$733.00
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	635 KARCHNER RD LINCOLN CA 956489552, LINCOLN, CA 95648-9552

Mortgage

Document Number	69887
Date	Sep 27, 2018
Instrument	69887

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Placer County
Unified School District	Western Placer Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$757,335 (+2%) Land $291,282 Building $466,053
2025	$7,866.00 (+2.41%)	$742,486 (+4.04%) Land $285,571 Building $456,915
2023	$7,681.00 (+1.55%)	$713,656 Land $274,483 Building $439,173
2022	$7,564.00

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	High above 76% of the US · above 53% of California
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zeta Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Corridor Wireless Fixed Wireless	100 / 100
Cal.net Fixed Wireless	100 / 20
Skyhi Broadband Fixed Wireless	60 / 30
SmarterBroadband Fixed Wireless	25 / 5

May also be available: DigitalPath, Succeed.Net.

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