675 Ridge Rd, Rail Road Flat, CA 95248 Property Records

Calaveras County property record for 675 Ridge Rd, Rail Road Flat, CA 95248

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 917 sqft · built 1960
Lot Size	4.28 acres (186,437 sqft)
Owner	2 Individual Names on File
Last Sale	$299,000 (Nov 2025)
Tax Bill	$3,101 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Jun 2018 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`014-013-023-000`

Property Details

APN / Parcel Number

Primary APN	`014-013-023-000`
Alternative APN	`014-013-023`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	917 sqft Living Area
1st Floor Area	917 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1980
Architectural Style	Conventional
Construction Type	Wood
Lot Area	186,437 sqft

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Old Parcel Number	014-013-023
Street Address	675 RIDGE RD
City	RAIL ROAD FLAT
State	CA
Zip	95248
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	ROS 20-106 POR NE4 OF NW4 OF 34 T6R13
Legal Subdivision	TOWNSHIP 6 NORTH
Legal Lot Number	34
Legal Unit	13
Jurisdiction	CALAVERAS CA
Township / Civil Division	ARNOLD-WEST POINT
Census Block Group	5
Census Block	5000
Census Tract	400

Owner

675 Ridge Rd is owned and occupied by two individuals who bought it in November 2025.

Source: Calaveras County records, as of July 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	675 RIDGE RD, RAIL ROAD FLAT, CA 95248
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
Nov 4, 2025	Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jun 21, 2018	Affidavit of Death, Transfer FIRST AMERICAN TITLE
Jun 21, 2018	Grant Deed, Transfer FIRST AMERICAN TITLE
Apr 3, 2018	Affidavit of Death, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2025 · Amount on File
Deed Sale	Nov 4, 2025 · Amount on File
Prior Sale	Jun 21, 2018 · Amount on File
Deed Document Number	202511271
Prior Transfer Date	Jun 19, 2018
Prior Transfer Doc	0000007020
Record Updated	Oct 29, 2026

November 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALAVERAS CA
Recording Date	Nov 4, 2025
Property Address	675 RIDGE RD, RAIL ROAD FLAT, CA 95248
Document Number	0000011271
Instrument Date	Oct 30, 2025
Instrument	2025-011271
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	CHICAGO 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	675 RIDGE RD, RAIL ROAD FLAT, CA 95248

Mortgage

Document Number	0000011272
Date	Nov 4, 2025
Instrument	2025-011272

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

June 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	CALAVERAS CA
Recording Date	Jun 21, 2018
Property Address	675 RIDGE RD, RAIL ROAD FLAT, CA 95248
Document Number	0000007020
Instrument Date	Jun 19, 2018
Instrument	7020
Transaction Type	Transfer
Record Updated	Aug 3, 2018
Title Company	FIRST AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 331 GLENCOE CA 952320331, GLENCOE, CA 95232-0331

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALAVERAS CA
Recording Date	Jun 21, 2018
Property Address	675 RIDGE RD, RAIL ROAD FLAT, CA 95248
Document Number	0000007021
Instrument Date	Jun 18, 2018
Instrument	7021
Transaction Type	Transfer
Record Updated	Aug 3, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$235.40
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	PO BOX 578 SAN ANDREAS CA 952490578, SAN ANDREAS, CA 95249-0578

April 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	CALAVERAS CA
Recording Date	Apr 3, 2018
Property Address	675 RIDGE RD, RAIL ROAD FLAT, CA 95248
Document Number	0000003318
Instrument Date	Apr 2, 2018
Instrument	3318
Transaction Type	Transfer
Record Updated	Apr 20, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 331 GLENCOE CA 952320331, GLENCOE, CA 95232-0331

Tax Assessment & Valuation

The 2025 property tax bill for 675 Ridge Rd was $3,101.

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		$299,000 (+22.8%) Land $66,000 Building $233,000
2025	$3,101.00 Homeowner's exemption	$243,489 Land $56,889 Building $186,600
2023	$3,043.00 (+7.15%) Homeowner's exemption	$234,036 Land $54,681 Building $179,355
2022	$2,840.00

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

Flood

FEMA maps place 675 Ridge Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 30, 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 675 Ridge Rd is extreme, ranking above 96% of the US, with a 2% annual chance of wildfire.

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

Wildfire Risk	Extreme above 96% of the US · above 84% of California
Wildfire Likelihood	2% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Volcano Vision DSL	100 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ridge Rd

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