6612 Michel Rd, Mountain Ranch, CA 95246 Property Records

Calaveras County property record for 6612 Michel Rd, Mountain Ranch, CA 95246

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,568 sqft · built 1981
Lot Size	11.3 acres (493,099 sqft)
Owner	2 Individual Names on Record
Last Sale	$442,000 (Apr 2026)
Tax Bill	$2,318 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`038-020-005-000`

Property Details

APN / Parcel Number

Primary APN	`038-020-005-000`
Alternative APN	`038-020-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,568 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Modern
Construction Type	Wood
Lot Area	493,099 sqft
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic

Location & Zoning

Street Address	6612 MICHEL RD
City	MOUNTAIN RANCH
State	CA
Zip	95246-9743
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RRX
Legal Description	QUAIL VALLEY RANCH LOT 5
Legal Subdivision	QUAIL VALLEY RANCH
Legal Lot Number	5
Jurisdiction	CALAVERAS CA
Township / Civil Division	SAN ANDREAS
Census Block Group	1
Census Block	1025
Census Tract	302

Owner

Source: Calaveras County records, as of July 16, 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	1135 S 9TH ST, SAN JOSE, CA 95112-2475
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Apr 28, 2026	Affidavit of Death of Trustee, Transfer
Feb 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Dec 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage STATE FARM BANK FSB
Feb 15, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2026 · Amount on Record
Deed Sale	Apr 28, 2026 · Amount on Record
Deed Document Number	20263550
Prior Transfer Date	Sep 21, 2016
Prior Transfer Doc	0000001868
Record Updated	Oct 29, 2026

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALAVERAS CA
Recording Date	Apr 28, 2026
Property Address	6612 MICHEL RD, MOUNTAIN RANCH, CA 95246-9743
Document Number	0000003550
Instrument Date	Apr 22, 2026
Instrument	20263550
Transaction Type	Transfer
Record Updated	Jul 16, 2026
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$49,106.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1135 S 9TH ST, SAN JOSE, CA 95112-2475

Mortgage

Document Number	0000003551,
Date	Apr 28, 2026
Instrument	20263551

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Affidavit of Death of Trustee, Transfer

Document Type	Affidavit of Death of Trustee
Jurisdiction	CALAVERAS CA
Recording Date	Apr 28, 2026
Property Address	6612 MICHEL RD, MOUNTAIN RANCH, CA 95246-9743
Document Number	0000003549
Instrument Date	Apr 22, 2026
Instrument	20263549
Transaction Type	Transfer
Record Updated	Aug 28, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2923 REYNOLDS RANCH PKWY, LODI, CA 95240-6867

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALAVERAS CA
Property Address	6612 MICHEL RD, MOUNTAIN RANCH, CA 95246-9743
Transaction Type	Mortgage
Record Updated	Mar 2, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6612 MICHEL RD, MTN RANCH, CA 95246-9743

Mortgage

Document Number	0000002298
Date	Feb 10, 2022
Instrument	2022-002298

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	254 Months
Due	Apr 1, 2043

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALAVERAS CA
Property Address	6612 MICHEL RD, MOUNTAIN RANCH, CA 95246-9743
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014381
Date	Dec 14, 2017
Instrument	2017-14381

Lender

Name	STATE FARM BANK FSB
Type	Bank
Address	EARTH CITY, MO 63045

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jan 1, 2043

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CALAVERAS CA
Recording Date	Feb 15, 2017
Property Address	6612 MICHEL RD, MOUNTAIN RANCH, CA 95246-9743
Document Number	0000001868
Instrument Date	Sep 21, 2016
Instrument	1868
Transaction Type	Transfer
Record Updated	Apr 10, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	6612 MICHEL RD MOUNTAIN RANCH CA 952469743, MOUNTAIN RANCH, CA 95246-9743

Tax Assessment & Valuation

Source: Calaveras County assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	California
County	Calaveras County
Unified School District	Calaveras Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$194,325 (+2%) Land $40,744 Building $153,581
2025	$2,318.00 (+1.98%) Homeowner's exemption	$190,516 (+4.04%) Land $39,946 Building $150,570
2023	$2,273.00 (+4.03%) Homeowner's exemption	$183,120 Land $38,396 Building $144,724
2022	$2,185.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 73% of the US · above 48% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Conifer Communications Fixed Wireless	100 / 10
unWired Broadband Fixed Wireless	50 / 12
AT&T Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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