Placer County property record for 644 River St, Lincoln, CA 95648
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,606 sqft · built 2021 |
| Owner | Individual Name on File |
| Last Sale | $517,500 (Jun 2021) |
| Tax Bill | $6,729 (2025) |
| Deeds & Mortgages | Sep 2023 Second Mortgage Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 329-140-048-000 |
| Primary APN | 329-140-048-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,606 sqft Living Area |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Garage Area | 421 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 644 RIVER ST |
|---|---|
| City | LINCOLN |
| State | CA |
| Zip | 95648-7624 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 48 TWELVE BRIDGES VILLAGE 2A MOR EE-46 |
| Legal Subdivision | TWELVE BRIDGES VILL |
| Legal Lot Number | 48 |
| Jurisdiction | PLACER CA |
| Township / Civil Division | LINCOLN |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 23502 |
644 River St is owned and occupied by an individual who bought it in June 2021.
Source: Placer County records, as of July 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 644 RIVER ST, LINCOLN, CA 95648-7624 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Sep 12, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Jun 30, 2021 | Grant Deed, Subdivision Related Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 30, 2021 · Amount on File |
| Deed Sale | Jun 30, 2021 · Amount on File |
| Deed Document Number | 202184896 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PLACER CA |
| Property Address | 644 RIVER ST, LINCOLN, CA 95648-7624 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2023 |
| Name | Verified Name |
|---|---|
| Address | 644 RIVER ST, LINCOLN, CA 95648-7624 |
| Document Number | 0000048309 |
|---|---|
| Date | Sep 12, 2023 |
| Instrument | 2023-0048309 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 11, 2053 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | PLACER CA |
| Recording Date | Jun 30, 2021 |
| Property Address | 644 RIVER ST, LINCOLN, CA 95648-7624 |
| Document Number | 0000084896 |
| Map Reference | MB EE PG 46 |
| Instrument Date | Jun 4, 2021 |
| Instrument | 2021-0084896 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 26, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 644 RIVER ST, LINCOLN, CA 95648-7624 |
| Document Number | 0000084897 |
|---|---|
| Date | Jun 30, 2021 |
| Instrument | 2021-0084897 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
The 2025 property tax bill for 644 River St was $6,729.
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 | $570,946 (+2%) Land $138,010 Building $432,936 | |
| 2025 | $6,729.00 | $559,752 Land $135,304 Building $424,448 |
| 2023 | $6,350.00 (-5.62%) | $492,000 Land $118,900 Building $373,100 |
| 2022 | $6,728.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 644 River St in Zone X, an area of minimal flood risk.
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 |
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 644 River St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond 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 717 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Astound Broadband Cable · Fiber in parts of the area | 1,500 / 50 |
| Corridor Wireless Fixed Wireless | 100 / 100 |
| Cal.net Fixed Wireless | 100 / 20 |
May also be available: DigitalPath, Verizon, Zeta Broadband.
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