656 Costa Ln, Lincoln, CA 95648 Property Records

Placer County property record for 656 Costa Ln, Lincoln, CA 95648

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,927 sqft · built 2002
Lot Size	0.164 acres (7,149 sqft)
Owner	2 Individual Names on Record
Last Sale	$292,000 (Dec 2002)
Tax Bill	$5,339 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`025-018-008-000`

Property Details

APN / Parcel Number

Primary APN	`025-018-008-000`
Alternative APN	`025-018-008`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,927 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Cape Cod
Construction Type	Frame
Lot Area	7,149 sqft (0.164 acres)
Garage Area	715 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	025-018-008
Street Address	656 COSTA LN
City	LINCOLN
State	CA
Zip	95648-2613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 43 ASPEN MEADOWS UNIT NO 2 MOR X-33
Legal Subdivision	ASPEN MEADOWS UNIT NO. 2
Legal Lot Number	43
Jurisdiction	PLACER CA
Township / Civil Division	LINCOLN
Census Block Group	4
Census Block	4020
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	2 Individual Names on Record
Mailing Address	656 COSTA LN, LINCOLN, CA 95648-2613
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2022	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Mar 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage CASHCALL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2002 · Amount on Record
Deed Sale	Dec 4, 2002 · Amount on Record
Deed Document Number	2002154628
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	656 COSTA LN, LINCOLN, CA 95648-2613
Transaction Type	Mortgage
Record Updated	Mar 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 COSTA LN, LINCOLN, CA 95648-2613

Mortgage

Document Number	0000024000
Date	Mar 18, 2022
Instrument	2022-0024000

Lender

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

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	656 COSTA LN, LINCOLN, CA 95648-2613
Document Number	0000025143
Instrument Date	Mar 5, 2020
Transaction Type	Mortgage
Record Updated	Apr 29, 2020
Title Company	BNT TITLE COMPANY/CA, BNT TITLE CO/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	656 COSTA LN LINCOLN CA 956482613, LINCOLN, CA 95648-2613

Mortgage

Document Number	0000025143
Date	Mar 20, 2020
Instrument	25143

Lender

Name	CASHCALL
Type	Funding / Finance Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 19, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$460,847 (+2%) Land $129,988 Building $330,859
2025	$5,339.00 (+2.1%) Homeowner's exemption	$451,812 (+4.04%) Land $127,440 Building $324,372
2023	$5,229.00 (+1.34%) Homeowner's exemption	$434,270 Land $122,493 Building $311,777
2022	$5,160.00

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 · 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 Record median of 11 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	3 (1986–1995)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Apr 1995 · Severe Winter Storms, Flooding Landslides, Mud Flow

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	Moderate above 60% of the US · lower than 64% of California
Wildfire Likelihood	0.2% 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.

Drinking Water

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

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Zeta Broadband Fixed Wireless	400 / 50
Corridor Wireless Fixed Wireless	100 / 100
Cal.net Fixed Wireless	100 / 20

May also be available: Fidium Fiber, Succeed.Net, Verizon.

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