7604 Michel Rd, Mountain Ranch, CA 95246 Property Records

Calaveras County property record for 7604 Michel Rd, Mountain Ranch, CA 95246

Property Summary

Property Type	Ranch
Details	2 bd · 3 ba · built 1980
Lot Size	23.8 acres (1,039,777 sqft)
Owner	2 Company Names on File
Tax Bill	$6,660 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jul 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`036-001-081-000`

Property Details

APN / Parcel Number

Primary APN	`036-001-081-000`
Alternative APN	`036-001-081`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	2 Stories

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	1,039,777 sqft

Location & Zoning

Old Parcel Number	036-001-081
Street Address	7604 MICHEL RD
City	MOUNTAIN RANCH
State	CA
Zip	95246-9639
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Ranch
Legal Description	ADJ PCL 1 OF PM 13-26 IN 9 T4R13
Legal Subdivision	MOUNTAIN RANCH
Jurisdiction	CALAVERAS CA
Township / Civil Division	SAN ANDREAS
Census Block Group	2
Census Block	2021
Census Tract	302

Owner

Source: Calaveras County records · APN 036-001-081-000

Assessment roll updated July 2, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Mailing Address	7604 MICHEL RD, MOUNTAIN RANCH, CA 95246-9639
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Grant Deed, Transfer · Line of Credit CENTRAL STATE CREDIT UNION
Jul 29, 2026	Grant Deed, Transfer CHICAGO TITLE W, CHICAGO TITLE
Feb 14, 2022	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
May 17, 2017	Deed of Trust, Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 01, 2014
Deed Sale	Jul 01, 2014
Prior Sale	Aug 13, 2013
Deed Document Number	20146446
Last Transfer Date	Jul 22, 2026
Transfer Doc	0000006528
Record Updated	Sep 20, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALAVERAS CA
Recording Date	Jul 29, 2026
Property Address	7604 MICHEL RD, MOUNTAIN RANCH, CA 95246-9639
Document Number	0000006528
Instrument Date	Jul 22, 2026
Instrument	20266528
Transaction Type	Transfer
Record Updated	Aug 17, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7604 MICHEL RD, MOUNTAIN RANCH, CA 95246-9639

Mortgage

Document Number	0000006529,
Date	Jul 29, 2026
Instrument	20266529

Lender

Name	CENTRAL STATE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 24, 2051

Interest

Rate	6.47%
Max Rate	-1%

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALAVERAS CA
Recording Date	Jul 29, 2026
Property Address	7604 MICHEL RD, MOUNTAIN RANCH, CA 95246-9639
Document Number	0000006530
Instrument Date	Jul 22, 2026
Instrument	20266530
Transaction Type	Transfer
Record Updated	Aug 17, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

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	7604 MICHEL RD, MOUNTAIN RANCH, CA 95246-9639

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALAVERAS CA
Property Address	7604 MICHEL RD, MOUNTAIN RANCH, CA 95246-9639
Transaction Type	Mortgage
Record Updated	Mar 02, 2022
Title Company	STATES TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7604 MICHEL RD, MOUNTAIN RANCH, CA 95246-9639

Mortgage

Document Number	0000002388
Date	Feb 14, 2022
Instrument	2022-002388

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2052

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALAVERAS CA
Property Address	7604 MICHEL RD, MOUNTAIN RANCH, CA 95246-9639
Document Number	0000014974
Instrument Date	May 17, 2017
Transaction Type	Mortgage
Record Updated	Jan 24, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7604 MICHEL RD MOUNTAIN RANCH CA 952469639, MOUNTAIN RANCH, CA 95246-9639

Mortgage

Document Number	0000014974
Date	Dec 27, 2017
Instrument	14974

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Dec 26, 2032

Tax Assessment & Valuation

Source: Calaveras County records · Assessment roll updated July 2, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value
2026		$585,430 (+2%) Land $85,353 Building $500,077
2025	$6,660.00 (+2.07%) Homeowner's exemption	$573,952 (+4.04%) Land $83,680 Building $490,272
2023	$6,525.00 (+2%) Homeowner's exemption	$551,667 Land $80,432 Building $471,235
2022	$6,397.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 30, 2022 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	High above 72% of the US · above 47% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Conifer Communications.

Based on FCC filings for 6 locations within half a mile of this property.

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