Calaveras County property record for 643 Silver Rd, Valley Springs, CA 95252
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,694 sqft · built 1991 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $575,000 (Jun 2026) |
| Tax Bill | $6,518 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jul 2023 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 074-024-003-000 |
| Primary APN | 074-024-003-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 3 Stories |
| Building Area | 2,694 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Conventional |
| Construction Type | Wood |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Area | 896 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Old Parcel Number | 074-024-003 |
|---|---|
| Street Address | 643 SILVER RD |
| City | VALLEY SPRINGS |
| State | CA |
| Zip | 95252-9359 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LA CONTENTA SUB UNIT 3 LOT 526 |
| Legal Subdivision | LA CONTENTA SUB |
| Legal Lot Number | 526 |
| Legal Unit | 3 |
| Jurisdiction | CALAVERAS CA |
| Township / Civil Division | SAN ANDREAS |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 221 |
643 Silver Rd is owner-occupied and held in a trust since June 2026.
Source: Calaveras County records, as of July 14, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 949 INTERLAKEN DR, LODI, CA 95242-9173 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 9, 2026 | Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE |
| Jul 14, 2023 | Grant Deed, Transfer PLACER TITLE COMPANY |
| Jun 16, 2021 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| May 19, 2020 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| May 16, 2017 | Grant Deed, Transfer · VA Mortgage USAA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 9, 2026 · Amount on File |
| Deed Sale | Jun 9, 2026 · Amount on File |
| Prior Sale | Jul 14, 2023 · Amount on File |
| Deed Document Number | 20264995 |
| Prior Transfer Date | May 24, 2001 |
| Prior Transfer Doc | 0000009098 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CALAVERAS CA |
| Recording Date | Jun 9, 2026 |
| Property Address | 643 SILVER RD, VALLEY SPRINGS, CA 95252-9359 |
| Document Number | 0000004995 |
| Instrument Date | Jun 9, 2026 |
| Instrument | 20264995 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2026 |
| Title Company | PLACER TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $63,882.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 949 INTERLAKEN DR, LODI, CA 95242-9173 |
| Document Number | 0000004996, |
|---|---|
| Date | Jun 9, 2026 |
| Instrument | 20264996 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CALAVERAS CA |
| Recording Date | Jul 14, 2023 |
| Property Address | 643 SILVER RD, VALLEY SPRINGS, CA 95252-9359 |
| Document Number | 0000005225 |
| Map Reference | MB 3 PG 45 |
| Instrument Date | Jul 12, 2023 |
| Instrument | 2023-005225 |
| Transaction Type | Transfer |
| Record Updated | Aug 7, 2023 |
| Title Company | PLACER TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 643 SILVER RD, VALLEY SPRINGS, CA 95252-9359 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALAVERAS CA |
| Property Address | 643 SILVER RD, VALLEY SPRINGS, CA 95252-9359 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2021 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|---|
| Address | 643 SILVER RD, VALLEY SPRINGS, CA 95252-9359 |
| Document Number | 0000011139 |
|---|---|
| Date | Jun 16, 2021 |
| Instrument | 2021-011139 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALAVERAS CA |
| Property Address | 643 SILVER RD, VALLEY SPRINGS, CA 95252-9359 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | STEWART TITLE GUARANTY |
| Name | Verified Name |
|---|
| Document Number | 0000006222 |
|---|---|
| Date | May 19, 2020 |
| Instrument | 2020-006222 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | 08452 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CALAVERAS CA |
| Recording Date | May 16, 2017 |
| Property Address | 643 SILVER RD, VALLEY SPRINGS, CA 95252-9359 |
| Document Number | 0000005231 |
| Instrument Date | May 10, 2017 |
| Instrument | 5231 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2020 |
| Title Company | DEL NORTE COUNTY TITLE COMPANY, PLACER TITLE CO. |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $484.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 643 SILVER RD VALLEY SPRINGS CA 952529359, VALLEY SPRINGS, CA 95252-9359 |
| Document Number | 5232 |
|---|---|
| Date | May 16, 2017 |
| Instrument | 5232 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 15, 2047 |
The 2025 property tax bill for 643 Silver Rd was $6,518 with a homeowner's exemption.
Source: Calaveras County assessment roll, as of July 2, 2026
| Type | Name |
|---|---|
| State | California |
| County | Calaveras County |
| Unified School District | Calaveras Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $598,230 (+2%) Land $46,818 Building $551,412 | |
| 2025 | $6,518.00 Homeowner's exemption | $586,500 Land $45,900 Building $540,600 |
| 2023 | $5,658.00 (+0.21%) | $490,824 Land $39,041 Building $451,783 |
| 2022 | $5,646.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 643 Silver Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2022.
Source: FEMA National Flood Hazard Layer, effective June 30, 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 |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 4 (2022–2023) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 risk around 643 Silver Rd is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · lower than 61% of California |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
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 | CCWD - JENNY LIND serves 9,861 people · EPA ID CA0510006 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2024 |
| Lead | Under 1 ppb (2024–2026) 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 262 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| unWired Broadband Fixed Wireless | 300 / 30 |
| Silver Rapid Fixed Wireless | 100 / 25 |
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