Make yourself at home in Lincoln
A historic downtown, beautiful golf courses and neighborhoods that open toward the foothills. Lincoln brings together small-town character and room for your next chapter, whether that means your first backyard, a little more space or more time doing what you love.
I created this guide to help you explore Lincoln's communities, understand the full monthly cost of a home and find the school and utility contacts you'll need along the way.
Editorial montage of Lincoln downtown photography with an illustrative golf-course scene.
I've spent more than 25 years helping people turn the idea of homeownership into a plan they can move forward with. My office is in neighboring Roseville, and Lincoln is an important part of the community I serve.
Maybe you're imagining a first home in Twelve Bridges, a place close to downtown or a new chapter with golf and more time outdoors. My job is to help you connect that vision with financing that fits your life.
In Lincoln, it's especially helpful to look beyond the asking price. We'll bring your mortgage, property taxes, special assessments, insurance and any HOA dues together so you can compare homes with the full payment in mind.
My Roseville office:
2999 Douglas Blvd, Ste 180 Rm. 111, Roseville, CA 95661
In-office visits are by appointment only.
Start with a complimentary 30-minute discovery call to talk through your plans.
Find the setting that feels like home
Lincoln offers several different ways to live. Visit the streets, try the drive to work and spend time in the places that would become part of your everyday routine.
Foothill surroundings
Twelve Bridges brings neighborhood living into Lincoln's foothill setting, with parks, walking routes and the Twelve Bridges Library nearby. It's a place to explore if your wish list includes outdoor time and a home with space to grow.
Compare individual homes, any HOA requirements and property-specific assessments. Confirm school assignments by address rather than relying on the Twelve Bridges name.
Find Lincoln's Library & City Resources →An active next chapter
This established active-adult community is worth exploring if you picture more time for recreation, community activities and golf. Take time to tour the amenities and imagine which ones you would enjoy using regularly.
Review the community's age and occupancy requirements, association dues and membership details as part of your home search.
Golf & foothill scenery
The Verdera area offers another way to enjoy Lincoln's foothill surroundings, with Catta Verdera Country Club at its heart. Include this part of Lincoln in your search if golf and a distinctive residential setting are high on your list.
Ask about the specific property's association obligations and the club's separate membership terms; owning a nearby home does not automatically include golf privileges.
Discover Catta Verdera Country Club →Small-town character
Lincoln's older streets and downtown storefronts offer a different feel from its newer communities. Explore the residential blocks around the center of town if you enjoy established surroundings and being close to local businesses.
Look at each home's condition, improvements and outdoor space, and consider how its layout supports the way you want to live.
If you need a referral to a premier local Realtor, text me at (916) 705-2557 and tell me what you're looking for.
Research the exact address
Lincoln is primarily served by Western Placer Unified School District, with elementary, middle and high schools in Lincoln and the surrounding Western Placer area. Start with the home's exact address to confirm its assigned schools and enrollment requirements.
A neighborhood name or ZIP code won't tell the whole story. Western Placer Unified's enrollment page includes district boundaries and a Find Your School by Address tool. Confirm the assignment for the school year connected to your move.
Find Your Lincoln School by Address →District Office
600 Sixth Street, Suite 400
Lincoln, CA 95648
(916) 645-6350
Contact the district for boundary, enrollment and transfer questions.
Visit Western Placer Unified →Lincoln campuses include Carlin C. Coppin, Creekside Oaks, First Street, Foskett Ranch, Lincoln Crossing, Scott M. Leaman and Twelve Bridges elementary schools.
Use the district's address lookup to identify the school connected to your home, then contact that campus about enrollment.
School Boundaries & Enrollment →Glen Edwards Middle School
204 L Street, Lincoln
(916) 645-6370
Twelve Bridges Middle School
770 Westview Drive, Lincoln
(916) 434-5270
Lincoln High School
790 J Street, Lincoln
(916) 645-6360
Twelve Bridges High School
2360 Fieldstone Drive, Lincoln
(916) 409-2631
The district also offers Phoenix High School and other educational programs.
Look at the whole monthly picture
Lincoln may give you opportunities to find more of what you want within your budget, depending on the neighborhood and the homes you're comparing. Price differences with Roseville, Rocklin and other nearby communities change with the market, property size, age and condition.
Some Lincoln homes have higher total property-tax bills because of Mello-Roos special taxes and other assessments. That does not mean every Lincoln home has a higher tax rate. The City's special-tax and assessment reports are a starting point, but the amounts need to be checked for the individual parcel.
A lower purchase price can still come with a higher monthly payment once assessments, insurance and HOA dues are included. A seller's current tax bill may also differ from what you would pay after purchasing the home.
I'll help you estimate the property taxes, review applicable assessments and put those numbers alongside your mortgage payment. We can compare the homes you're considering so you know what fits comfortably before you move forward.
Text Amy the Property Address →Prefer to talk? Call (916) 705-2557.
Another option to explore
A USDA guaranteed home loan can offer 100% financing with no down payment for an eligible primary residence. It's an option worth checking when your search includes qualifying rural areas around Lincoln.
Eligibility starts with the exact property address. A Lincoln mailing address alone does not establish eligibility, and some homes will fall outside USDA's designated areas. Household income limits and credit, debt and repayment requirements also apply.
No down payment doesn't mean no closing costs. We'll review the cash needed to close, USDA guarantee fees and the full monthly payment, then compare the result with other options for your situation.
USDA financing is available to eligible repeat buyers as well as first-time buyers. Learn more from the official USDA guaranteed loan overview, or compare conventional, FHA, VA and down payment assistance options with me.
Your move-in checklist
Within incorporated Lincoln, the City provides water, sewer and garbage service together on one monthly utility bill. Homes outside the city limits can have different providers, so confirm service using the exact address.
City of Lincoln Utility Billing
600 Sixth Street
Lincoln, CA 95648
(916) 434-2430
Contact Utility Billing for new service, account questions and ending service. Have the property owner arrange the new-service request.
Set Up City Utility Service →The City operates the municipal water and wastewater systems. Public Works can help direct service questions; Utility Billing handles your account.
Public Works:
(916) 434-2450
Utility Billing:
(916) 434-2430
Contact the City for collection and container questions at your new address. Garbage service is included with your City utility account.
Service Questions:
(916) 434-2450
Billing:
(916) 434-2430
Use PG&E's address-based service tool to confirm electric and gas service and arrange your start or transfer date.
PG&E Residential Customer Service
(877) 660-6789
For City services, permits and department contacts, start with Lincoln's official directory.
City Hall:
(916) 434-2400
Your first home starts with a plan
You don't have to figure out every step at once. My First-Time Homebuyer Hub brings together loan options, guides, videos and practical next steps to help you understand the process and move forward with confidence.
Start with your questions, explore your options and build a plan around the life you want in your new home.
Visit the First-Time Homebuyer Hub →