6440 Mother Lode Dr, Placerville, CA 95667 Property Records

El Dorado County property record for 6440 Mother Lode Dr, Placerville, CA 95667

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 884 sqft · built 1948
Lot Size	0.85 acres (37,026 sqft)
Owner	2 Individual Names on File
Last Sale	$221,500 (Dec 2022)
Tax Bill	$2,377 (2025)
Deeds & Mortgages	Sep 2023 Second Mortgage Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`329-162-058-000`

Property Details

APN / Parcel Number

Primary APN	`329-162-058-000`
Alternative APNs	`32916258100` `3291625810`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	884 sqft Living Area
1st Floor Area	884 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1958
Construction Type	Wood
Lot Area	37,026 sqft (0.85 acres)
Parking Spaces	1 Parking Space
Patio Area	884 sqft

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	6440 MOTHER LODE DR
City	PLACERVILLE
State	CA
Zip	95667-8218
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CP
Legal Description	PM 24/15/A
Legal Subdivision	HIGHWAY VIEW TERRACE SUBDIVISION
Legal Lot Number	19
Jurisdiction	EL DORADO CA
Township / Civil Division	SOUTH EL DORADO
Census Block Group	1
Census Block	1007
Census Tract	31505

Owner

6440 Mother Lode Dr is owned and occupied by two individuals who bought it in December 2022.

Source: El Dorado County records, as of September 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6440 MOTHER LODE DR, PLACERVILLE, CA 95667-8218
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SCHOOLSFIRST FCU
Dec 29, 2022	Grant Deed, Transfer · FHA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2022 · Amount on File
Deed Sale	Dec 29, 2022 · Amount on File
Deed Document Number	202247870
Prior Transfer Date	May 19, 2011
Prior Transfer Doc	0000034427
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	6440 MOTHER LODE DR, PLACERVILLE, CA 95667-8218
Transaction Type	Mortgage
Record Updated	Sep 22, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6440 MOTHER LODE DR, PLACERVILLE, CA 95667-8218

Mortgage

Document Number	0000025713
Date	Sep 13, 2023
Instrument	2023-0025713

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 7, 2043

December 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Dec 29, 2022
Property Address	6440 MOTHER LODE DR, PLACERVILLE, CA 95667-8218
Document Number	0000047870
Map Reference	MB 24 PG 15
Instrument Date	Dec 23, 2022
Instrument	2022-0047870
Transaction Type	Transfer
Record Updated	Jan 6, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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	6440 MOTHER LODE DR, PLACERVILLE, CA 95667-8218

Mortgage

Document Number	0000047871
Date	Dec 29, 2022
Instrument	2022-0047871

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 6440 Mother Lode Dr was $2,377 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	El Dorado County
Secondary School District	El Dorado Union High School District (09 - 12)
Elementary School District	Mother Lode Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$235,003 (+2%) Land $68,978 Building $166,025
2025	$2,377.00 Homeowner's exemption	$230,396 Land $67,626 Building $162,770
2023	$2,278.00 (+37.64%) Homeowner's exemption	$221,450 Land $65,000 Building $156,450
2022	$1,655.00

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

Flood

FEMA maps place 6440 Mother Lode Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 25, 2022

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

Wildfire risk around 6440 Mother Lode Dr is moderate, ranking above 61% 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 61% of the US · lower than 63% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EL DORADO ID - MAIN serves 128,408 people · EPA ID CA0910001
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2024–2026) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 161 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: Verizon, Zeta Broadband.

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