885 Cottage St, Placerville, CA 95667 Property Records

El Dorado County property record for 885 Cottage St, Placerville, CA 95667

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 842 sqft · built 1930
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$419,000 (Jun 2022)
Tax Bill	$4,702 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-171-035-000`

Property Details

APN / Parcel Number

Primary APN	`001-171-035-000`
Alternative APNs	`00117135100` `0011713510`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	842 sqft Living Area
1st Floor Area	842 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1954
Construction Type	Wood
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Attached
Garage Area	202 sqft
Parking Spaces	1 Parking Space
Patio Area	842 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	885 COTTAGE ST
City	PLACERVILLE
State	CA
Zip	95667-4524
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R106
Legal Description	POR L 1 B 34 PLACERVILLE
Legal Subdivision	PLACERVILLE
Legal Lot Number	1
Jurisdiction	EL DORADO CA
Township / Civil Division	PLACERVILLE
Census Block Group	2
Census Block	2010
Census Tract	31100

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	885 COTTAGE ST, PLACERVILLE, CA 95667-4524
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 15, 2022	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2022 · Amount on Record
Deed Sale	Jun 15, 2022 · Amount on Record
Prior Sale	Dec 11, 2012 · Amount on Record
Deed Document Number	202225956
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	885 COTTAGE ST, PLACERVILLE, CA 95667-4524
Transaction Type	Mortgage
Record Updated	Jul 25, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	885 COTTAGE ST, PLACERVILLE, CA 95667-4524

Mortgage

Document Number	0000011644
Date	Feb 18, 2021
Instrument	2021-0011644

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

June 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Jun 15, 2022
Property Address	885 COTTAGE ST, PLACERVILLE, CA 95667-4524
Document Number	0000025956
Instrument Date	Jun 13, 2022
Instrument	2022-0025956
Transaction Type	Transfer
Record Updated	Jul 25, 2023
Title Company	CHICAGO TITLE COMPANY

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	Community Property with Right of Survivorship
Address	4161 CAMERON RD, CAMERON PARK, CA 95682-9614

Mortgage

Document Number	0000025957
Date	Jun 15, 2022
Instrument	2022-0025957

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	El Dorado County
Municipality	Placerville City
Secondary School District	El Dorado Union High School District (09 - 12)
Elementary School District	Placerville Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$453,536 (+2%) Land $108,242 Building $345,294
2025	$4,702.00 (+3.36%)	$444,644 (+4.04%) Land $106,120 Building $338,524
2023	$4,549.00 (+157.59%)	$427,380 Land $102,000 Building $325,380
2022	$1,766.00

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 Risk	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.05% 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	PLACERVILLE, CITY OF - MAIN serves 9,224 people · EPA ID CA0910003
Water Source	Purchased surface water from EL DORADO ID - MAIN
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2024–2026) 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 321 locations within half a mile, as of December 31, 2025

Provider	Max 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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