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

Calaveras County property record for 85 Ridge Rd, Rail Road Flat, CA 95248

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 981 sqft · built 1948
Lot Size	1.48 acres (64,904 sqft)
Owner	2 Individual Names on Record
Last Sale	$75,000 (Nov 2014)
Tax Bill	$1,395 (2025)
Deeds & Mortgages	Aug 2022 Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`014-015-050-000`

Property Details

APN / Parcel Number

Primary APN	`014-015-050-000`
Alternative APN	`014-015-050`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	981 sqft Living Area
1st Floor Area	981 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1976
Architectural Style	Conventional
Construction Type	Wood
Lot Area	64,904 sqft
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	014-015-050
Street Address	85 RIDGE RD
City	RAIL ROAD FLAT
State	CA
Zip	95248-1083
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA20
Legal Description	PCL A ROS 19-152 IN 35 T6R13
Legal Lot Number	A
Jurisdiction	CALAVERAS CA
Township / Civil Division	ARNOLD-WEST POINT
Census Block Group	5
Census Block	5000
Census Tract	400

Owner

Source: Calaveras County records, as of July 2, 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	PO BOX 707, RAIL ROAD FLAT, CA 95248-0707
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage BBMC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2014 · Amount on Record
Deed Sale	Nov 7, 2014 · Amount on Record
Prior Sale	Feb 27, 2014 · Amount on Record
Deed Document Number	201411323
Prior Transfer Date	Jan 4, 2010
Prior Transfer Doc	0000000375
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALAVERAS CA
Property Address	85 RIDGE RD, RAIL ROAD FLAT, CA 95248-1083
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE JACKSO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 707, RAIL ROAD FLAT, CA 95248-0707
Investor	Possibly a Property Investor

Mortgage

Document Number	0000010481
Date	Aug 24, 2022
Instrument	2022-010481

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2037

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALAVERAS CA
Property Address	85 RIDGE RD, RAIL ROAD FLAT, CA 95248-1083
Transaction Type	Mortgage
Record Updated	Jul 19, 2022
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004853
Date	May 1, 2018
Instrument	2018-004853

Lender

Name	BBMC MORTGAGE LLC
Type	Government Agency
Address	LOMBARD, IL 60148

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

Tax Assessment & Valuation

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		$142,683 (+45.88%) Land $24,034 Building $118,649
2025	$1,395.00 (+1.68%)	$97,808 (+4.04%) Land $23,563 Building $74,245
2023	$1,372.00 (+8.29%)	$94,012 Land $22,649 Building $71,363
2022	$1,267.00

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

Flood

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

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

Wildfire Risk	Extreme above 95% of the US · above 82% 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 17 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

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