912 Cottage St, Placerville, CA 95667 Property Records

El Dorado County property record for 912 Cottage St, Placerville, CA 95667

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,356 sqft · built 1934
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Jan 2022)
Tax Bill	$4,491 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Jun 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`001-185-002-000`

Property Details

APN / Parcel Number

Primary APN	`001-185-002-000`
Alternative APNs	`00118502100` `0011850210`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,356 sqft Living Area
1st Floor Area	1,356 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1980
Construction Type	Wood
Lot Area	5,227 sqft (0.12 acres)
Terrain	Combination
View / Lot	Average
Patio Area	1,356 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	912 COTTAGE ST
City	PLACERVILLE
State	CA
Zip	95667-4526
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R106
Legal Description	POR L 7 BLK 29 PLACERVILLE
Legal Subdivision	PLACERVILLE
Legal Block	29
Legal Lot Number	7
Jurisdiction	EL DORADO CA
Township / Civil Division	PLACERVILLE
Census Block Group	2
Census Block	2008
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	912 COTTAGE ST, PLACERVILLE, CA 95667-4526
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT EQUITY MORTGAGE LLC
Jun 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANPAL LLC
Jan 28, 2022	Grant Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Feb 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC
Dec 28, 2016	Deed of Trust, Mortgage · Line of Credit GOLDEN 1 CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2022 · Amount on Record
Deed Sale	Jan 28, 2022 · Amount on Record
Prior Sale	Mar 29, 2012 · Amount on Record
Deed Document Number	20224844
Prior Transfer Date	Nov 2, 2007
Prior Transfer Doc	0000078355
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	912 COTTAGE ST, PLACERVILLE, CA 95667-4526
Transaction Type	Mortgage
Record Updated	Oct 14, 2022
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000059281
Date	Dec 28, 2017
Instrument	2017-0059281

Lender

Name	PARAMOUNT EQUITY MORTGAGE LLC
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	912 COTTAGE ST, PLACERVILLE, CA 95667-4526
Transaction Type	Mortgage
Record Updated	Oct 14, 2022
Title Company	FIDELITY NATL TTL CO OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027506
Date	Jun 11, 2020
Instrument	2020-0027506

Lender

Name	LOANPAL LLC
Type	Non-Lending Institution
Address	ROSEVILLE, CA 95661

Agreement

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

January 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Jan 28, 2022
Property Address	912 COTTAGE ST, PLACERVILLE, CA 95667-4526
Document Number	0000004844
Instrument Date	Jan 21, 2022
Instrument	2022-0004844
Transaction Type	Transfer
Record Updated	Jul 25, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL CO OF CA

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	Joint Tenants
Address	912 COTTAGE ST, PLACERVILLE, CA 95667-4526

Mortgage

Document Number	0000004845
Date	Jan 28, 2022
Instrument	2022-0004845

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	912 COTTAGE ST, PLACERVILLE, CA 95667-4526
Document Number	0000006886
Instrument Date	Feb 5, 2020
Transaction Type	Mortgage
Record Updated	Feb 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	912 COTTAGE ST PLACERVILLE CA 956674526, PLACERVILLE, CA 95667-4526

Mortgage

Document Number	0000006886
Date	Feb 13, 2020
Instrument	6886

Lender

Name	SPRING EQ LLC
Address	PHILADELPHIA, PA 19104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 12, 2050

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	912 COTTAGE ST, PLACERVILLE, CA 95667-4526
Document Number	0000000637
Instrument Date	Dec 28, 2016
Transaction Type	Mortgage
Record Updated	Jun 11, 2019
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	912 COTTAGE ST PLACERVILLE CA 956674526, PLACERVILLE, CA 95667-4526

Mortgage

Document Number	0000000637
Date	Jan 5, 2017
Instrument	637

Lender

Name	GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 4, 2047

Interest

Rate Type	Adjustable Rate

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		$432,970 (+2%) Land $86,593 Building $346,377
2025	$4,491.00 (+3.36%)	$424,482 (+4.04%) Land $84,896 Building $339,586
2023	$4,345.00 (+127.01%)	$408,000 Land $81,600 Building $326,400
2022	$1,914.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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