97 Dennis St, Sutter Creek, CA 95685 Property Records

Amador County property record for 97 Dennis St, Sutter Creek, CA 95685

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,060 sqft · built 1940
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Mar 2026)
Tax Bill	$3,939 (2025)
Deeds & Mortgages	Mar 2026 Sale & Second Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`018-231-012-000`

Property Details

APN / Parcel Number

Primary APN	`018-231-012-000`
Alternative APN	`1823101200`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,060 sqft Living Area
1st Floor Area	1,060 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Construction Type	Wood
Lot Area	5,227 sqft (0.12 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	97 DENNIS ST
City	SUTTER CREEK
State	CA
Zip	95685-8003
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NC
Legal Description	31M23 ADJ LOT4 BLK22 DENNIS ADDN
Legal Subdivision	DENNIS ADDN
Legal Block	22
Legal Lot Number	4
Jurisdiction	AMADOR CA
Township / Civil Division	IONE
Census Block Group	1
Census Block	1054
Census Tract	303

Owner

97 Dennis St is owned by an individual who bought it in March 2026.

Source: Amador County records, as of July 21, 2026

Owner of Record	Individual Name on File
Mailing Address	700 TALBART ST, 3, MARTINEZ, CA 94553-1578
Owner Type	Individual
Vesting	Unmarried Woman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2026	Grant Deed, Transfer · Stand-Alone Second Mortgage GUILD MORTGAGE CO
Apr 2, 2021	Grant Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2026 · Amount on File
Deed Sale	Mar 25, 2026 · Amount on File
Prior Sale	Apr 2, 2021 · Amount on File
Deed Document Number	20261644
Prior Transfer Date	Apr 9, 2014
Prior Transfer Doc	0000002465
Record Updated	Oct 29, 2026

March 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	AMADOR CA
Recording Date	Mar 25, 2026
Property Address	97 DENNIS ST, SUTTER CREEK, CA 95685-8003
Document Number	0000001644
Map Reference	MB 2 PG 9
Instrument Date	Jan 28, 2026
Instrument	2026-0001644
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
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
Address	700 TALBART ST APT 3, 3, MARTINEZ, CA 94553-1578

Mortgage

Document Number	0000001645
Date	Mar 25, 2026
Instrument	2026-0001645

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	AMADOR CA
Recording Date	Apr 2, 2021
Property Address	97 DENNIS ST, SUTTER CREEK, CA 95685
Document Number	0000004032
Map Reference	MB 2 PG 9
Instrument Date	Mar 26, 2021
Instrument	2021-0004032
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount on Record
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
Address	97 DENNIS ST, SUTTER CREEK, CA 95685

Mortgage

Document Number	0000004033
Date	Apr 2, 2021
Instrument	2021-0004033

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 97 Dennis St was $3,939, up 1.9% from the year before.

Source: Amador County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	California
County	Amador County
Municipality	Sutter Creek City
Unified School District	Amador County Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$397,464 (+2%) Land $132,487 Building $264,977
2025	$3,939.00 (+1.89%)	$389,672 Land $129,890 Building $259,782
2024	$3,866.00 (+2.01%)		$414,450
2023	$3,790.00 (+1.91%)	$374,544 Land $124,848 Building $249,696
2022	$3,719.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 97 Dennis St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1980.

Source: FEMA National Flood Hazard Layer, effective June 30, 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	7 in force
Nearby Flood Claims	9 (1980–2022)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Dec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Dec 2022 · 2 claims Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 2 claims

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

Wildfire risk around 97 Dennis St is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · lower than 66% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	AWA, TANNER serves 4,940 people · EPA ID CA0310003
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 254 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Cal.net.

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