649 S Summit St, Visalia, CA 93292 Property Records

Tulare County property record for 649 S Summit St, Visalia, CA 93292

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,867 sqft · built 2017
Lot Size	0.297 acres (12,954 sqft)
Owner	Individual on Record
Last Sale	$315,000 (Aug 2017)
Tax Bill	$4,225 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`101-340-010-000`

Property Details

APN / Parcel Number

Primary APN	`101-340-010-000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,867 sqft Living Area

Exterior

Year Built	Built 2017
Construction Type	Wood
Lot Area	12,954 sqft (0.297 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	649 S SUMMIT ST
City	VISALIA
State	CA
Zip	93292-3646
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 32 WOOD RANCH NO 1 RM43-54
Legal Subdivision	WOOD RANCH #1
Legal Lot Number	32
Jurisdiction	TULARE CA
Township / Civil Division	VISALIA
Census Block Group	4
Census Block	4011
Census Tract	1703

Owner

Source: Tulare County assessment roll, as of July 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Co-owner	Co-owner on Record
Mailing Address	649 S SUMMIT ST, VISALIA, CA 93292-3646
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Aug 31, 2017	Grant Deed, Subdivision Related Transfer · ARM AMERICAN PACIFIC MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2017 · Amount on Record
Deed Sale	Aug 31, 2017 · Amount on Record
Prior Sale	Jul 1, 2016 · Amount on Record
Deed Document Number	2017-0050773
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TULARE CA
Property Address	649 S SUMMIT ST, VISALIA, CA 93292-3646
Transaction Type	Mortgage
Record Updated	Jul 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 S SUMMIT ST, VISALIA, CA 93292-3646

Mortgage

Document Number	0000016542
Date	Mar 14, 2022
Instrument	2022-0016542

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

August 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	TULARE CA
Recording Date	Aug 31, 2017
Property Address	649 S SUMMIT ST, VISALIA, CA 93292-3646
Document Number	0000050773
Map Reference	VOL43 PG54
Instrument Date	Jul 26, 2017
Instrument	2017-0050773
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 26, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	649 S SUMMIT ST, VISALIA, CA 93292-3646

Mortgage

Document Number	0000050774
Date	Aug 31, 2017
Instrument	2017-0050774

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

Tax Assessment & Valuation

Source: Tulare County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	California
County	Tulare County
Municipality	Visalia City
Unified School District	Visalia Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,225.00 (+5.36%)	$358,414 (+4.04%) Land $85,336 Building $273,078
2023	$4,010.00 (+2.9%)	$344,498 Land $82,023 Building $262,475
2022	$3,897.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 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	Low lower than 67% of the US · lower than 81% of California
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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	CWS - VISALIA private · serves 153,522 people · EPA ID CA5410016
Water Source	Groundwater
Last State Inspection	Jan 2026
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 546 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
OACYS Technology Fixed Wireless	100 / 30

May also be available: AT&T, T-Mobile.

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