How to dodge fraudsters when you’re in nancial distress
without con rming their identity. For example, ask for identi cation and independently call the entity the person claims to work for.
If you’re struggling to pay your mortgage,
beware of fraudsters
If you’re struggling to pay your mortgage a er a natural disaster or due to other circumstances and you are facing foreclosure, be on the lookout for two common types of fraud.
Foreclosure rescue
fraud: In such a scheme, someone may falsely promise to be able to save your home from foreclosure. The fraudster will commonly: • Require you to sign the title to your home over to them.
upholsterers, wineglass enthusiasts, textile experts, basket weavers, furniture makers, color consultants, caterers, cutlery cra ers, organizers, Realtors, appraisers and more — who, during hundreds of hours of conversation, gave me master classes in their professions, generously sharing their expertise so I could share it with you.
I am profoundly appreciative of the readers who educated me, including the legions of engineers who quickly set me straight on the di erence between concrete and cement — words, I learned, that are not interchangeable. I have learned so much from you.
We’ve had a good run. We’ve shared some laughs. When I started this column, my children were in grade school. I was living in the Rocky Mountains and I did not need to color my hair or wear glasses. Today, my daughters are both in professional careers and married. One has a baby. I live in Florida. Combatting the gray and having glasses stashed in every room and pocket are just two of many reminders that time is going by.
Along the way, we’ve gone through multiple moves (10 in 20 years, which exhausts me to think about), the downsizing of family homes, divorce, remarriage, remodels, lots of remodels, holidays, celebrations, loss, reinvention and many bottles of Advil and alcohol. I hope I’ve helped you through life half as much as you’ve helped me.
Newspapers have changed, readership has changed and I have changed. As Oprah said when she ended her 25-yearlong TV show, “I feel it in my bones.” Though her bank account is much larger than mine, our bone-deep feelings are the same. It’s time. Today, a new generation of in uencers, Instagrammers and YouTubers, some who are fantastically entertaining, smart and creative, are adding fresh perspectives to the eld of home design and better living. I want to cede the oor.
What will I do instead? As some of you know, I also have a day job. I lead a patient advocacy nonpro t that deserves and requires more of my time. I will get my weekends back and spend more time traveling with my husband and seeing my new grandbaby without packing along my laptop. And I have a new book
in mind, my eighth, that I’d like to write.
Although I will no longer be ling a weekly column, I am not planning to stop voicing my unsolicited opinions on home design, gracious living and rightsizing, through my books, public speaking and media and podcast interviews. You can tune into those on my website and subscribe to my missives there.
As I write this, it’s ttingly New Year’s Day. Not an ending, but rather a bittersweet beginning. I will miss this. However, as I launch my next chapter, I leave you for now with these thoughts:
• Be you. Don’t decorate for anyone else. Create a home that re ects your personality, your life, your heritage and your interests, as beautifully as possible.
• Seek out the fewer and better. Surround yourself with quality, not quantity. This holds true for people as well as material goods.
• Be intentional. To live beautifully, you have to do more than just want to; you have to work at it, make an ongoing e ort. You have to both care and try. You get to live once. Honor the act.
• Entertain. Don’t wait until your house is perfect to have guests over. Connecting with others is the fabric and soul of life. Open your home and heart o en to engage with family, neighbors, friends and co-workers.
• Take stock. As I have preached, letting go, whether of stu or obligations (like this column), at the right time, helps not only to simplify your life but also to make room for what else matters. Make editing your life an ongoing process.
• Evolve. Life changes. Have the courage to shed. Let go of anything — belongings, jobs, relationships — that no longer serves, ful lls or enriches you. Hanging onto the past robs us of the present and, more important, of the potential for a better future. Thank you for reading.
Live well, Marni Marni Jameson is the award-winning author of seven books, including “Rightsize Today to Create Your Best Life Tomorrow,” “What to Do With Everything You Own to Leave the Legacy You Want” and “Downsizing the Family Home.” You may reach her at marnijameson.com.
Find out how much your home is really worth in today’s market!
Continued from 3
• Ask you to sign unfamiliar documents.
• Ask you to share personal information.
• Charge you rent to stay in your home.
• O er to pay your delinquent mortgage by purchasing your home.
• Promise that you can repurchase your home when your nancial situation improves.
Fraudsters orchestrating these schemes pose as professionals and promise to stop foreclosure, o en at a high price. However, they don’t deliver on their promises. As a result, you could lose the title to your home and be at risk of foreclosure.
Loan modi cation scams: Loan modi cation scams may operate similarly to foreclosure rescue fraud. In these scams, fraudsters collect an upfront fee and promise to work with
your loan servicer on your behalf. They claim that they can obtain a loan modi cation that reduces your payments.
If someone other than your loan servicer (the company listed on your mortgage statement) o ers you mortgage assistance, don’t provide your information.
If you are struggling with your mortgage payment, contact your lender, a certi ed HUD housing counselor or a housing nance agency. These trustworthy resources can present you with real options to help avoid foreclosure.
Learn more fraud prevention tips by visiting myhome.freddiemac.com.
Unfortunately, fraudsters have made it their business to prey on pain. With the right knowledge, you can help ensure that no one takes advantage of you when you’re down on your luck.
Residential Homes
Page 22-25
Page 25-26
Page 26-27
All properties are listed by price, address, acreage, listing number, and the Realtor’s office number. If you would like more information about a property, call the relevant office number for that listing.
12601 Residential Homes
Greater Cameron Park
$279,000 3180 Country Club Dr #5a 2 2 (2 0) 840 0.02 224083351
To find a property by geographic location, use the following reference table. Each category is separated by the zone number, type of real estate, and location in El Dorado County. Properties are sorted by price, in ascending value.
$379,999 3550 Orinda Cir 3 3 (2 1) 1500 0.07 225000096
$450,000 3040 Granada Ct #27 2 2 (2 0) 1237 0.07 224072578
$545,000 2912 Knollwood Dr 2 3 (2 1) 1424 0.3 224115214
$550,000 3593 Ravenwood Ln 3 2 (2 0) 1480 0.38 225000148
$554,900 3037 Cambridge Rd #B 3 3 (3 0) 2384 0.09 224133739
$599,500 2435 Sandpiper Way 4 3 (2 1) 2096 0.25 225000205
12605 Latrobe, Shingle Springs South
12603 Shingle Springs
12701 Greater Placerville
12604 Rescue, Luneman
12702 El Dorado, Diamond Springs
12605 Latrobe, Shingle Springs South
12703 Pleasant Valley, Placerville South
12701 Greater Placerville
12704 Somerset, Mt. Aukum, South County
12702 El Dorado, Diamond Springs
12705 Coloma, Lotus
12706 Greenstone, Gold Hill West
12703 Pleasant Valley, Placerville South
12707 Mosquito, Swansboro
12704 Somerset, Mt. Aukum, South County
12705 Coloma, Lotus
12801 Camino, Cedar Grove
12802 Pollock Pines
12706 Greenstone, Gold Hill West
12803 American River Canyon
12707 Mosquito, Swansboro
12901 Georgetown, Garden Valley
12902 Cool, Pilot Hill
12801 Camino, Cedar Grove
12802 Pollock Pines
12803 American River Canyon
12901 Georgetown, Garden Valley
12902 Cool, Pilot Hill
12903 North County
12601 RESIDENTIAL HOMES GREATER CAMERON PARK
Listed by Local Agents
$725,000 969 King Henry Way 3 2 (2 0) 1713 0.2 224109285
$739,000 2855 Canterbury Cir 3 2 (2 0) 1785 0.28 224117778
650000416Oeste 422600
This representation is based in whole or in part on data supplied by MetroList©. All information provided by seller/other sources has not been verified by broker. All interested persons should independently verify accuracy of above information. Copyright ©2002 – MetroList Services, Inc.
30050838530-677-7801
5399003580Archetto
30050824530-677-7801
650000420Oeste
$749,000 3130 Four Seasons Dr 2 3 (2 1) 2329 0.14 224115070
6500003617Ventana422600
30050942530-677-7801
PRICESTREETADDRESSBDBASFACLISTING#OFFICE #
$599,900 3391 Turner Cir 3 2 (2 0) 1640 0.25 224117644
$750,000 4004 Bari Dr 3 3 (2 1) 2226 0.1 224129329
6500003625Ventana422600
30050912530-677-7801
3220250.14050029654916-933-3998 5490003041Stanford 5230000.28050019188916-608-4563 5590003232Stonehurst3219580.16750016674916-879-0974 560000138Slate Ridge2226120.39650016111916-355-7000
2300003394Cimmarron219800.01850028867916-933-1400
2650003529Ross 221664
$600,000 3446 Cambridge Rd 3 2 (2 0) 2048 0.26 224116896
2799003293Amethyst211272
$609,900 2933 Knollwood Dr 3 2 (2 0) 1738 0.54 224108216
2999003381La Canada321210
$759,000 6040 Lyla Park Pl 4 4 (4 0) 2592 0.09 224101837
50021477530-622-0131
40074000530-677-7801
6500003637Ventana422600
30050802530-677-7801
5690003903Mossview4219300.26050027204916-939-5300
5750002056Bailey 3218670.50050029720916-774-6700
30050871530-677-7801
6500003638Ventana422600
$768,000 8115 Avanti Dr 4 3 (3 0) 2198 0.07 224153770
50014180916-933-4500
$769,000 3736 Aliso Dr 3 2 (2 0) 2003 0.19 225000057
6750003621Foxmore4228130.64650002498916-933-8700 6900003329Covello 5327480.30050030434916-239-4200
5750003015Merriam 4222000.30050026969530-676-2376
50028462916-452-4557
3119002693Hopi 221376
$610,900 3630 Millbrae Rd 4 4 (4 0) 2536 0.31 224058162
50028808916-939-5300
$784,900 7105 Cinnamon Teal Way 3 2 (2 0) 2304 0.19 224129714
6990004076Plateau4332220.24050018785530-676-8600
5790004655Tramezzo3222500.29350029366916-393-0825 5900005013Taylor 3326160.17450033305916-939-5300
3245003262Heights Drive221506
$634,900 4625 Voltaire Ct 3 2 (2 0) 1634 0.2 224127912
3950002693La Canada321469
$635,000 3731 Kimberly Rd 3 2 (2 0) 1496 0.28 224130723
$640,900 2982 Alhambra Ct 3 3 (2 1) 2359 0.3 224097930
50015709530-672-4500
$799,000 4092 Bancroft Dr 4 3 (3 0) 2806 0.26 224131603
3970003141Modoc 3216330.33050015353530-676-8900
$799,900 1564 Haydin Pl 3 3 (2 1) 1712 0.11 224131552
4095002417Sandpiper3216000.20050031732530-676-2354
747700548Crazy Horse4228240.51040078954530-676-8600 7690003565Sudbury3346241.06050011648530-295-8440 7990003445Raben
$799,950 1183 Villagio Dr 5 3 (3 0) 2817 0.19 224118976
595000216Knapp 4224010.19050018827916-355-0202 5990003585Park 4329990.28050014496530-672-4500
5999002085Moonstone4325800.33550029586916-933-1400
5999993200Stanford 3229270.40050023977916-933-4500
$660,000 3262 Country Club Dr 4 3 (2 1) 2184 0.36 224107330
50011310530-672-4500
4200003097Cambridge322188
$685,000 2895 Knollwood Dr 4 3 (2 1) 2178 0.43 224125318
4390003427Oxford 3216220.33050019552530-676-8600
$699,000 3380 Braniff Ct 3 2 (2 0) 1504 0.52 224131313
$819,000 3668 Archetto Dr 4 4 (4 0) 2996 0.22 224129058
$825,000 4108 Bayberry Cir 3 2
3238000.23050026085916-965-3300 9600002521Greens Landing3235670.20040086632916-355-0202 9795003089Boeing 4444260.47950004750530-676-8600 12750004351McNeil 3226987.77050026561916-933-1400
224152679
6000003065Birmingham4220180.29150032628916-933-8700
6190001157Oak Tree422559 40082036916-933-1400
4399003200United 321536 50024838530-677-7801
4480003750Sheridan3217220.30050024081530-626-3333
$699,000 4420 Aventine Rd 4 2 (2 0) 1984 0.24 224118531
$835,000 2981 Beatty Dr
4540003577Christa 321705 50033872916-404-2900
4655003451La Canada Dr.4219400.34050025853916-941-3830
$815,000 3021 Knollwood Dr 3 3 (3 0) 2795 0.38 224131530
$825,000 3249 Salida Way 4 3 (2 1) 2142 0.32 225000290
224105319
$839,000 3105 Collingswood Dr 3 2 (2 0) 2540 0.3 224083681
5000002438Mellowdawn3220120.24050004250530-676-8600
$869,000 3041 Twin Oaks Rd 3 3 (3 0) 2171 0.37 224121367
12602
$840,290 1556 Seneca Cir
5100003623Kimberly4218660.34050023612530-676-8600
$845,000 3126 Aldridge Way
5250003022Cayente4220880.18050018659530-672-4500
$875,000 3530 Santos Cir 4 3 (3 0) 2651 0.42 224005025
224098418
RESIDENTIAL HOMES EL DORADO HILLS
$850,000 4061 Meadow Wood Dr 4
5390002535Country Club3324490.28050027400916-638-1177
$920,000 2622 Bertella Rd 4 4 (3 1) 3362 0.43 224092184
$864,999 8005 Fallview Way
5390003452Cambridge3220720.34050020234530-672-4500
5390003460Orinda 4225000.33050019758916-774-6700
$950,000 2565 Bertella Rd 4 3 (3 0) 3190 0.29 224132594
$969,000 3151 Knollwood Dr 4 3 (3 0) 3027 0.47 224153877
$865,000 3125 Barlow Ct
5395003742Cambridge3328600.30050018639530-676-8600
$875,000 9017 Bronzewing Pl
5590002837Maryetta3222640.75050011880530-676-9609
$1,028,000 3180 Woodleigh 4 2 (2 0) 2231 0.24 224153020
$887,000 2148 Cardiff Cir
5600002855Knollwood3324140.33050024612530-676-9609
5640003635Larkspur3224000.25050017057530-672-4500
$1,295,000 3738 Fairway Dr 4 4 (4 0) 4292 0.34 224066785
$1,777,000 3041 Fallen Leaf Rd 6 5 (5 0) 5100 5.18 224037147
225000927
225000058
224132432
224103697
225001205
224118577
PRICESTREETADDRESSBDBASFACLISTING#OFFICE # 3190003903Hills 321475 50019361916-355-7000 3990002530Starmount3211040.22650027011916-933-4500 4250003780Park 221610 50027819530-676-8600 4299003754Park 221761 50018714530-672-7300 4590002509Willowdale3216440.21050024996916-941-6777
$889,000 9031 Longford Way
5699003115Camerosa4335150.28050012540530-676-8600
$898,900 2375 Brannan Way
5699503247rancho terra4220210.38250017066408-272-5109
$550,000 3503 Royce Ct 3 2 (2 0) 1200 0.35 224122047
224125918
6190006036Brogan 4224500.19250032887415-867-2675
629000506Prairie Falcon5333860.19150019418530-676-2376 6325001104Bevinger 3226590.21150027062916-939-6633
6350001636Daunting 4322850.15450022080530-672-4500
6350005049Mertola 332723 50014634916-939-5300
6450002290Summer 3327340.20150025702916-536-5200
6450005087Garlenda4327500.18150030695916-683-3250
648000515Borders 3224360.14050031968916-681-5112
6490002083Brook Mar4328080.30040082404916-933-1400
6490004213Weathervane4332290.24050022758916-941-9815
6490004556Dunnwood5331980.19850031461916-985-2255
6490006029Brogan 3226000.20450016813916-404-2900
6495003028Birmingham4224570.26850032447530-295-8440
224103120
4920003384Alyssum 4320100.20050026339916-223-8889 4950003482Patterson321724 50027290916-933-8700
$899,500 1500 Hidden Bridge Rd
5750003234Rancho Terra3220210.52850024391916-985-6380
$1,149,000 3195 Weymouth Way 3 3 (2 1) 3264 0.48 224125310
$910,000 1905
5890002996Twin Oaks4328200.37050029534530-676-8600
5990003611Ventana422595
$1,995,000 4560 Shingle Lime Mine Rd 2 4 (4 0) 3967 20 224113494
30050993530-677-7801
5990003849Fairway3327370.34050015702916-771-9000
6499553273Oxford 3327220.44050006041530-676-8600
650000404Oeste 422600
6499003953Moraga 4327620.20050031755916-933-8700
224105129
499000604Guadalupe322100 50022167530-677-7801 4999001670Loma Verde3219970.25050014488916-933-8700 5090002101Wood Mar Drive3218260.30050029865916-941-6940 5149001630Wyndham3218490.28050033468916-939-5300
5149002603Hoffman 3219570.30050028634916-404-2900
5149004025Ironwood421733
50016786916-933-8700
5395002643Riviera 3221240.42050028486916-404-2900
6500003424Birmingham4223340.31250029475916-933-8700
6550007157Cinnamon Teal5332510.19850001066916-933-4500
6699002513Lakeridge Oaks4325890.50050030411916-933-8700
6745003697Waldwick3223800.27650026012530-672-7300
6749501654Daunting 4229000.15550031792530-672-7300
6750004228Weathervane4332920.32950027910916-933-4500
6750006030Brogan 432990 50023624916-218-7500
$679,000 2175 East Green Springs 2 3 (2 1) 2079 5.38 224061832
$899,000 3309 Foxmore Ln 4 4 (3 1) 2972 0.28 224133699
$969,000 1007 Bridger Dr 3 3 (2 1) 2744 0.29 224133904
$1,020,000
$539,900 5631 Bumper Rd 4 3 (3 0) 2953 10 224105231
$750,000 4500 Studebaker Rd 4 2 (2 0) 1812 5.23 224095745
$939,000
$499,000 3951 Many Oaks Ln 3 2 (2 0) 1442 1.01 224126120
$549,900 4123 Sottile Ln 3 3 (3 0) 1592 0.37 225000893
$645,000 4580 French Creek 4 3 (2 1) 2170 1.11 224128305
$724,999 4611 Hillwood Dr 5 3 (3 0) 2432 1.05 224126506
$790,000 3230 Shingle Springs Dr 3 3 (2 1) 2024 5.2 224123417
$850,000 4601 El Caminito Rd 3 5 (4 1) 1908 1 224122028
$1,098,000 3951 Lakeview Dr 5 3 (3 0) 3020 1.05 224129250
$1,450,000 5121 Old French Town 4 3 (3 0) 2532 10 225000928
$1,775,000 8109 Bridger Ln 4 4 (4 0) 3998 1.16 225000477
$1,775,000 8076 Bridger Ln 4 4 (3 1) 3922 1.06 224153666
$1,790,000 8118 Bridger Ln 4 4 (3 1) 4043 1 224153669
$1,899,000 6275 Chablis Dr 5 5 (4 1) 4010 10.07 224121599
12604 Residential Homes resCue/luneman
$775,000 1401 Big Curve Ct 3 3 (3 0) 1825 5.02 224088665
$1,100,000 1241 Arrowbee Dr 6 4 (4 0) 4580 8.16 224129338
$1,125,000 5105
$649,500
$660,000
$668,185
$729,000
$767,500
$799,900
$1,150,000 3580 Four Springs Dr 5 4 (4 0) 5000 5 224062969
$1,465,180 6988 Daffodil Trl 4 4 (3 1) 3442 1.6 224152694 $1,554,630 6981 Daffodil Trl 3 4 (3 1) 4208 1.49 224152681 $1,695,000 4550
12605 Residential Homes latrobe/sHinGle sPrinGs soutH
$699,000 6421 Charity Ln 3 3 (2 1) 2435 10 224073980
$1,099,000 5020 Owls Nest Rd 4 4 (3 1) 3600 9.96 225000138
$1,099,000 5241 Grazing Hill Rd 4 4 (4 0) 2148 10.04 224115597 $1,390,000
225000326
12701 Residential Homes
Greater PlaCerville
Residential Homes el DoraDo, DiamonD sPrinGs
mosQuito, sWansboro
12707 Residential Homes
12801 Residential Homes
Camino, CeDar Grove
$469,000 3128 Verde Robles Dr 3 3 (3 0) 2226 0.69 224081689
$470,000 4770 Pony Express Trail 3 2 (2 0) 1662 0.34 224093252
$475,000 2873 Camino Heights Dr 3 2 (2 0) 1454 0.22 224127933
$479,900 4015 William Way 4 2 (1 1) 2022 0.12 224124174
$489,900 5320 Andrews Ln 4 3 (3 0) 2214 1.01 224126807
$499,000 2682 Cresta Verde Dr 4 2 (2 0) 1560 1.41 224083425
$625,000 4522 Superior Dr 3 2 (2 0) 1997 0.63 224153753
$695,000
$699,900 2900 Crystal Springs Rd
$649,000 2160 Nelson Rd 3 2 (2 0) 2626 10 225000242
2 (2 0) 1620 0.59 224126440
$725,000 2345 Dutchman Dr 4 4 (4 0) 3089
$999,000 4301 N Canyon Rd 3 4 (3 1) 3892 6.4 224087673
$2,850,000 2581-2601 Mace Rd 4 4 (3 1) 3780 19.94
12802 Residential Homes PolloCk Pines
$309,000 6521 Topaz Dr
$319,000 5015 Shooting Star Rd
224095148
2 (2 0) 1176 0.42 224053310
$315,000 3312 Gold Ridge Trl 2 2 (2 0) 1232 0.3 224058315
2 (2 0) 1179 2.25 224120536
$336,900 5760 Marjorie Way 3 2 (2 0) 1350 0.34 224152384
$344,000 2845 Pine Ct 2 2 (2 0) 1173 0.31 224131587
$354,000 5578 Johnny Tuck Ct 3 2 (2 0) 1490 2.08 224103377
$359,000 6332 Greyling Way 3 2 (2 0) 1742 1.84 224079892
$359,500 6856 Onyx Trl 3
224080960
$370,000 3183 Sly Park Rd 3 2 (2 0) 1400 0.43 224075640
$375,000 5235 Sierra Springs
$385,000 5400 Edelweiss
$399,000 6922 Ridgeway Dr 4
224122896
$404,000 2844 Lilac Rd 3 2 (2 0) 1640 0.25 224089131
$410,000 4363 Lakeridge Dr 4
$425,000 5469 Hibiscus Ct
$427,999 6229 Speckled Rd
$449,000 4112 Pearl Rd 3
$449,000
$458,000 6972
$464,000
$475,000 5100 Sierra
12803 Residential Homes
river Canyon
12901 Residential Homes
GeorGetoWn, GarDen valley
PLACERVILLE
$3,000,000
Fees, and Guidelines are subject to change without notice. Restrictions apply. Not a commitment to lend. Land Home only conducts business in states we are approved to. Land Home Financial Services 3420 Coach Lane, Suite 15, Cameron Park, CA 95682. NMLS #705400. Licensed by the Department of Business Oversight under the California Finance Lenders law - #6073455. CA Department of Business Oversight - 866-275-2677. California - Bureau of Real Estate Branch Of ce License Endorsement #00988341 1-2025
Once in a lifetime opportunity to own all or a part of the historic Shinn Ranch. Awesome Estate quality Land, 160 acres +- in 5 separate parcels are being sold as one. Sellers are in the middle of a boundary line adjustment and will soon list the land in 5 separate large parcels. Gorgeous large Country Homes surround this property. Minutes to Highway 50, and the Historic towns of Diamond Springs and Placerville. Fish in your own private stocked pond and be amazed at the wildlife that surrounds you. It currently has an approved tentative map for 141 parcels that expires in June 2024. It would be fantastic as an equestrian ranch, family compound, or a vineyard with Ranch Marketing. 1880’s Home is included in the purchase price. There is also a 3 inch Ag. meter. Locked gates, please do not trespass. Don’t miss out on this remarkable property.
SIERRA FOOTHILLS AVA’S PREMIER ESTATE WINERY PROPERTY! This 479 acre property, including 282 acres of premium vineyard, is steeped in Amador wine history as the first post-prohibition winery in