7085 Gallagher Rd, Pilot Hill, CA 95664 Property Records

El Dorado County property record for 7085 Gallagher Rd, Pilot Hill, CA 95664

Property Summary

Property Type	Rural Home
Details	3 bd · 3 ba · 2,891 sqft · built 1989
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$817,000 (Apr 2024)
Tax Bill	$9,055 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Dec 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`104-220-005-000`

Property Details

APN / Parcel Number

Primary APN	`104-220-005-000`
Alternative APNs	`10422005100` `1042200510`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,891 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2001
Construction Type	Wood
Lot Area	435,600 sqft
Terrain	Rolling
Patio Area	2,154 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Water Source	Well

Location & Zoning

Street Address	7085 GALLAGHER RD
City	PILOT HILL
State	CA
Zip	95664-9651
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RE10
Legal Description	PM 25/29/1
Legal Subdivision	25-29, PARCEL MAP
Jurisdiction	EL DORADO CA
Township / Civil Division	NORTH EL DORADO
Census Block Group	2
Census Block	2014
Census Tract	30601

Owner

Source: El Dorado County records, as of September 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	7085 GALLAGHER RD, PILOT HILL, CA 95664-9651
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2024	Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC
Dec 2, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA
Sep 16, 2020	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2024 · Amount on Record
Deed Sale	Apr 30, 2024 · Amount on Record
Prior Sale	Sep 16, 2020 · Amount on Record
Deed Document Number	202412153
Prior Transfer Date	Feb 13, 2012
Prior Transfer Doc	0000009253
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	7085 GALLAGHER RD, PILOT HILL, CA 95664-9651
Transaction Type	Mortgage
Record Updated	May 20, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL CO OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7085 GALLAGHER RD, PILOT HILL, CA 95664-9651

Mortgage

Document Number	0000012154
Date	Apr 30, 2024
Instrument	2024-0012154

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company
Address	7755 CENTER AVE STE 900, HUNTINGTON BEACH, CA 92647

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	7085 GALLAGHER RD, PILOT HILL, CA 95664-9651
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000051396
Date	Dec 2, 2019
Instrument	2019-0051396

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 5, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Sep 16, 2020
Property Address	7085 GALLAGHER RD, PILOT HILL, CA 95664-9651
Document Number	0000050125
Map Reference	MB 25 PG 29
Instrument Date	Sep 2, 2020
Instrument	2020-0050125
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	STEWART TITLE OF SACRAMENTO

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	Revocable Trust
Address	5960 CHABOLYN TER, OAKLAND, CA 94618-1914

Mortgage

Document Number	0000050126
Date	Sep 16, 2020
Instrument	2020-0050126

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

Tax Assessment & Valuation

Source: El Dorado County assessment roll, as of September 16, 2026

Property Jurisdictions

Type	Name
State	California
County	El Dorado County
Unified School District	Black Oak Mine Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$850,006 (+2%) Land $208,080 Building $641,926
2025	$9,055.00 (+10.93%)	$833,340 (+7.08%) Land $204,000 Building $629,340
2023	$8,163.00 (+1.52%)	$778,219 Land $192,474 Building $585,745
2022	$8,041.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 25, 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

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

Wildfire Risk	Very High above 93% of the US · above 77% of California
Wildfire Likelihood	1% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GEORGETOWN DIVIDE PUD serves 9,434 people · EPA ID CA0910013
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2023–2025) 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Cal.net Fixed Wireless	100 / 20
AT&T Fixed Wireless	25 / 3

May also be available: Zeta Broadband.

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