682 Downing Cir, Lincoln, CA 95648 Property Records

Placer County property record for 682 Downing Cir, Lincoln, CA 95648

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,835 sqft · built 2004
Lot Size	0.156 acres (6,808 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (May 2017)
Tax Bill	$7,230 (2025)
Deeds & Mortgages	Nov 2020 Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`328-100-016-000`

Property Details

APN / Parcel Number

Primary APN	`328-100-016-000`
Alternative APN	`328-100-016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,835 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Bungalow
Construction Type	Frame
Lot Area	6,808 sqft (0.156 acres)
Garage Area	443 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	328-100-016
Street Address	682 DOWNING CIR
City	LINCOLN
State	CA
Zip	95648-2933
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 86 LINCOLN CROSSING VILLAGE 3A PH 2 MOR Z-7
Legal Subdivision	LINCOLN CROSSING VILLAGE 3A PH 2
Legal Lot Number	86
Jurisdiction	PLACER CA
Township / Civil Division	LINCOLN
Census Block Group	2
Census Block	2006
Census Tract	23300

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	682 DOWNING CIR, LINCOLN, CA 95648-2933
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 19, 2017	Grant Deed, Transfer · Conventional Mortgage LAND-HOME FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2017 · Amount on Record
Deed Sale	May 19, 2017 · Amount on Record
Prior Sale	Feb 4, 2011 · Amount on Record
Deed Document Number	201737124
Prior Transfer Date	Aug 19, 2015
Prior Transfer Doc	0000074612
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	682 DOWNING CIR, LINCOLN, CA 95648-2933
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	682 DOWNING CIR, LINCOLN, CA 95648-2933

Mortgage

Document Number	0000131754
Date	Nov 16, 2020
Instrument	2020-0131754

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PLACER CA
Recording Date	May 19, 2017
Property Address	682 DOWNING CIR, LINCOLN, CA 95648-2933
Document Number	0000037124
Map Reference	MAP Z PG7
Instrument Date	May 16, 2017
Instrument	2017-0037124
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	STEWART TITLE

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	682 DOWNING CIR, LINCOLN, CA 95648-2933

Mortgage

Document Number	0000037125
Date	May 19, 2017
Instrument	2017-0037125

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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		$390,646 (+2%) Land $118,377 Building $272,269
2025	$7,230.00 (+2.99%)	$382,987 (+4.04%) Land $116,056 Building $266,931
2023	$7,020.00 (+1.93%)	$368,117 Land $111,550 Building $256,567
2022	$6,887.00

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
Nearby Flood Policies	5 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 66% of the US · lower than 80% of California
Wildfire Likelihood	0.03% 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	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 437 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
AT&T Fiber · DSL in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Corridor Wireless Fixed Wireless	100 / 100
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

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

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