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865 Cottage St, Placerville, CA 95667 Property Records

El Dorado County property record for 865 Cottage St, Placerville, CA 95667

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,253 sqft · built 1930
Lot Size0.12 acres (5,227 sqft)
Owner2 Individual Names on Record
Last Sale$295,000 (Mar 2015)
Tax Bill$3,685 (2025)
Deeds & MortgagesSep 2025 Line of Credit
Jun 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN001-171-056-000

Property Details

APN / Parcel Number

Primary APN001-171-056-000
Alternative APNs
  • 00117156100
  • 0011715610

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories1 Story
Building Area2,253 sqft Living Area
1st Floor Area2,253 sqft
Basement Area1,070 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1930
Effective Year BuiltEffective 1985
Architectural StyleBungalow
Exterior MaterialWood
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area5,227 sqft (0.12 acres)
TerrainCombination
Garage Area240 sqft
Parking Spaces1 Parking Space
Patio Area204 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address865 COTTAGE ST
CityPLACERVILLE
StateCA
Zip95667-4524
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR106
Legal DescriptionPM 37/120/1
Legal SubdivisionEMMA SCHAUB SUBDIVISION
Legal Block34
Legal Lot NumberE
JurisdictionEL DORADO CA
Township / Civil DivisionPLACERVILLE
Census Block Group2
Census Block2010
Census Tract31100

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 Record2 Individual Names on Record
Mailing Address865 COTTAGE ST, PLACERVILLE, CA 95667-4524
OccupancyOwner Occupied
Owner TypeIndividual
VestingCommunity Property

Deeds, Mortgages & Sale History

DateDocument
Sep 22, 2025Deed of Trust, Mortgage · Line of Credit
SCHOOLSFIRST FCU
Jun 29, 2020Deed of Trust, Mortgage · Conventional Mortgage
MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 6, 2015 · Amount on Record
Deed SaleMar 6, 2015 · Amount on Record
Prior SaleFeb 15, 2007 · Amount on Record
Deed Document Number20158776
Prior Transfer DateFeb 25, 2015
Prior Transfer Doc0000008775
Record UpdatedOct 29, 2026

September 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionEL DORADO CA
Property Address865 COTTAGE ST, PLACERVILLE, CA 95667-4524
Transaction TypeMortgage
Record UpdatedOct 1, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address865 COTTAGE ST, PLACERVILLE, CA 95667-4524

Mortgage

Document Number0000026842
DateSep 22, 2025
Instrument2025-0026842
Lender
NameSCHOOLSFIRST FCU
TypeCredit Union
AddressPLACERVILLE, CA 95667
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionEL DORADO CA
Property Address865 COTTAGE ST, PLACERVILLE, CA 95667-4524
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyFIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000031519
DateJun 29, 2020
Instrument2020-0031519
Lender
NameMOVEMENT MORTGAGE
TypeMortgage Company
AddressFORT MILL, SC 29707
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateCalifornia
CountyEl Dorado County
MunicipalityPlacerville City
Secondary School DistrictEl Dorado Union High School District (09 - 12)
Elementary School DistrictPlacerville Union Elementary School District (KG - 08)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$361,626 (+2%) Land $67,418 Building $294,208
2025$3,685.00 (+3.42%) Homeowner's exemption$354,537 (+4.04%) Land $66,097 Building $288,440
2023$3,563.00 (+1.48%) Homeowner's exemption$340,772 Land $63,531 Building $277,241
2022$3,511.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 RiskLow
lower than 62% of the US · lower than 77% of California
Wildfire Likelihood0.05% annual chance
ExposureNone
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 SystemPLACERVILLE, CITY OF - MAIN
serves 9,224 people · EPA ID CA0910003
Water SourcePurchased surface water from EL DORADO ID - MAIN
Last State InspectionJan 2026
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 321 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
T-Mobile
Fixed Wireless		100 / 20
Cal.net
Fixed Wireless		100 / 20

May also be available: GeoLinks, Verizon.

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