686 H St, Lincoln, CA 95648 Property Records

Placer County property record for 686 H St, Lincoln, CA 95648

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,017 sqft · built 2009
Lot Size	0.75 acres (3,250 sqft)
Owner	Individual Name on File
Tax Bill	$4,451 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Mar 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`008-132-017-000`

Property Details

APN / Parcel Number

Primary APN	`008-132-017-000`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,017 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Colonial
Construction Type	Frame
Lot Area	3,250 sqft (0.75 acres)
Garage Area	531 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	686 H ST
City	LINCOLN
State	CA
Zip	95648-1725
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 PMOR 35-001
Legal Subdivision	VILLAGE WALK TOWNHOUSES
Legal Lot Number	3
Jurisdiction	PLACER CA
Township / Civil Division	LINCOLN
Census Block Group	2
Census Block	2010
Census Tract	21403

Owner

686 H St is owned and occupied by an individual who acquired it in May 2020.

Source: Placer County records, as of July 13, 2026

Owner of Record	Individual Name on File
Mailing Address	686 H ST, LINCOLN, CA 95648-1725
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 7, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT
Mar 1, 2023	Deed of Trust, Mortgage · Line of Credit GUARANTEED RATE INC
May 27, 2020	Intrafamily Transfer, Transfer · FHA Mortgage STEARNS LENDING LLC
Dec 12, 2018	Grant Deed, Transfer · FHA Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2020
Deed Sale	May 27, 2020
Prior Sale	Dec 12, 2018 · Amount on File
Deed Document Number	202049318
Prior Transfer Date	May 21, 2020
Prior Transfer Doc	0000049318
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Recording Date	Aug 7, 2026
Property Address	686 H ST, LINCOLN, CA 95648-1725
Document Number	0000045549
Instrument Date	Jul 17, 2026
Instrument	202645549
Transaction Type	Mortgage
Record Updated	Aug 20, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 H ST, LINCOLN, CA 95648-1725

Mortgage

Document Number	0000045549,
Date	Aug 7, 2026
Instrument	202645549

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	286 Months
Due	Jun 1, 2050

Interest

Rate	6.47%
Max Rate	-1%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	686 H ST, LINCOLN, CA 95648-1725
Transaction Type	Mortgage
Record Updated	Mar 20, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 H ST, LINCOLN, CA 95648-1725

Mortgage

Document Number	0000009638
Date	Mar 1, 2023
Instrument	2023-0009638

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PLACER CA
Recording Date	May 27, 2020
Property Address	686 H ST, LINCOLN, CA 95648-1725
Document Number	0000049318
Map Reference	MB 35 PG 1
Instrument Date	May 21, 2020
Instrument	2020-0049318
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	686 H ST, LINCOLN, CA 95648-1725

Mortgage

Document Number	0000049319
Date	May 27, 2020
Instrument	2020-0049319

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PLACER CA
Recording Date	Dec 12, 2018
Property Address	686 H ST, LINCOLN, CA 95648-1725
Document Number	0000089335
Map Reference	MB35 PG1
Instrument Date	Dec 10, 2018
Instrument	2018-0089335
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	STEWART TITLE OF CALIFORNIYA

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 H ST, LINCOLN, CA 95648-1725

Mortgage

Document Number	0000089336
Date	Dec 12, 2018
Instrument	2018-0089336

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 686 H St was $4,451.

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		$407,337 (+2%) Land $142,225 Building $265,112
2025	$4,451.00	$399,351 Land $139,437 Building $259,914
2023	$4,340.00 (+1.71%)	$383,845 Land $134,023 Building $249,822
2022	$4,267.00

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

Flood

FEMA maps place 686 H St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1995.

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	2 in force
Nearby Flood Claims	1 (1995)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1995 · Severe Winter Storms, Flooding, Landslides, Mud Flows

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

Wildfire risk around 686 H St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% 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 266 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, 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
Verizon Fixed Wireless	300 / 20
Corridor Wireless Fixed Wireless	100 / 100
Cal.net Fixed Wireless	100 / 20

May also be available: Fidium Fiber.

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