9975 Luther Rd, Live Oak, CA 95953 Property Records

Sutter County property record for 9975 Luther Rd, Live Oak, CA 95953

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,419 sqft · built 2018
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$490,000 (Dec 2021)
Tax Bill	$6,396 (2025)
Deeds & Mortgages	Aug 2023 Transfer Nov 2020 Mortgage + 2 more
APN	`006-660-002-000`

Property Details

APN / Parcel Number

Primary APN	`006-660-002-000`
Alternative APN	`06-660-002`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,419 sqft Living Area
Gross Area	3,034 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Wood
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	615 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	06-660-002
Street Address	9975 LUTHER RD
City	LIVE OAK
State	CA
Zip	95953-9444
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	PENNINGTON RANCH UNIT NO 1 FORMERLY A PORTION OF 06-640-005 LOT 002 AS SHOWN UPON THE SUBDIVISION MAP RECORDED 08-06-04 IN BOOK 16 OF SURVEYS PAGE 207
Legal Subdivision	PENNINGTON RANCH, UNIT 1
Legal Lot Number	2
Jurisdiction	SUTTER CA
Township / Civil Division	LIVE OAK
Census Block Group	1
Census Block	1022
Census Tract	50702

Owner

Source: Sutter County records, as of October 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	9975 LUTHER RD, LIVE OAK, CA 95953-9444
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2023	Intrafamily Transfer, Transfer
Nov 19, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Dec 13, 2021	Grant Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Feb 26, 2020	Grant Deed, Transfer · VA Mortgage KBHS HM LNS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2021 · Amount on Record
Deed Sale	Dec 13, 2021 · Amount on Record
Prior Sale	Feb 26, 2020 · Amount on Record
Deed Document Number	202122854
Last Transfer Date	Jul 6, 2023
Transfer Doc	0000007651
Record Updated	Oct 29, 2026

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SUTTER CA
Recording Date	Aug 28, 2023
Property Address	9975 LUTHER RD, LIVE OAK, CA 95953-9444
Document Number	0000007651
Map Reference	MB 16 PG 207
Instrument Date	Jul 6, 2023
Instrument	2023-0007651
Transaction Type	Transfer
Record Updated	Oct 11, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9975 LUTHER RD, LIVE OAK, CA 95953-9444

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUTTER CA
Property Address	9975 LUTHER RD, LIVE OAK, CA 95953-9444
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9975 LUTHER RD, LIVE OAK, CA 95953-9444

Mortgage

Document Number	0000018972
Date	Nov 19, 2020
Instrument	2020-0018972

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUTTER CA
Recording Date	Dec 13, 2021
Property Address	9975 LUTHER RD, LIVE OAK, CA 95953-9444
Document Number	0000022854
Map Reference	MB 16 PG 207
Instrument Date	Dec 6, 2021
Instrument	2021-0022854
Transaction Type	Transfer
Record Updated	Oct 11, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC 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	Joint Tenants
Address	9975 LUTHER RD, LIVE OAK, CA 95953-9444

Mortgage

Document Number	0000022855
Date	Dec 13, 2021
Instrument	2021-0022855

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

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

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUTTER CA
Recording Date	Feb 26, 2020
Property Address	9975 LUTHER RD, LIVE OAK, CA 95953-9444
Document Number	0000003144
Instrument Date	Feb 13, 2020
Instrument	3144
Transaction Type	Transfer
Record Updated	Apr 9, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$425.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9975 LUTHER RD LIVE OAK CA 959539444, LIVE OAK, CA 95953-9444

Mortgage

Document Number	3145
Date	Feb 26, 2020
Instrument	3145

Lender

Name	KBHS HM LNS LLC
Address	IRVING, TX 75039

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2050

Tax Assessment & Valuation

Source: Sutter County assessment roll, as of October 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$475,377 (+2%) Land $75,265 Building $400,112	$475,377
2025	$6,396.00 (+13%)	$466,057 (+14.87%) Land $73,790 Building $392,267
2023	$5,660.00 Homeowner's exemption	$405,729 Land $68,324 Building $337,405

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

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 38 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	38 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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 98% of the US · lower than 98.4% of California
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	CITY OF LIVE OAK serves 9,687 people · EPA ID CA5110001
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	1 ppb (2021–2023) 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 491 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
DigitalPath Fixed Wireless	200 / 20
Corridor Wireless Fixed Wireless	100 / 100

May also be available: AT&T, GeoLinks, Succeed.Net.

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