10 Cognac Cir, Sacramento, CA 95835 Property Records

Sacramento County property record for 10 Cognac Cir, Sacramento, CA 95835

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,800 sqft · built 2002
Lot Size	0.15 acres (6,516 sqft)
Owner	2 Trust Names on File
Last Sale	$315,500 (Dec 2002)
Tax Bill	$5,813 (2025)
Deeds & Mortgages	Oct 2025 Transfer Nov 2019 Line of Credit + 1 more
Flood Zone	Zone A99 (high risk)
APN	`225-1570-002-0000`

Property Details

APN / Parcel Number

Primary APN	`225-1570-002-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,800 sqft Living Area
1st Floor Area	1,800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	6,516 sqft (0.15 acres)
Garage Area	435 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	10 COGNAC CIR
City	SACRAMENTO
State	CA
Zip	95835-2034
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A-PUD
Legal Description	WESTBOROUGH VLG 01 PH 01, LOT 24
Legal Subdivision	WESTBOROUGH VLG 01 PH 01
Legal Lot Number	24
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1012
Census Tract	7107

Owner

10 Cognac Cir is held in a trust since September 2025.

Source: Sacramento County records, as of September 3, 2026

Owner of Record	2 Trust Names on File
Mailing Address	PO BOX 10117, SOUTH LAKE TAHOE, CA 96158-3117
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Oct 29, 2025	Intrafamily Transfer, Transfer
Nov 21, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Jul 12, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2002 · Amount on File
Deed Sale	Dec 11, 2002 · Amount on File
Deed Book / Page	20021211 / 2031
Last Transfer Date	Sep 30, 2025
Transfer Doc	2025000405
Record Updated	Oct 29, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 29, 2025
Property Address	10 COGNAC CIR, SACRAMENTO, CA 95835-2034
Document Number	0000000405
Map Reference	MB 277 MAP 7
Instrument Date	Sep 30, 2025
Instrument	202510290405
Transaction Type	Transfer
Record Updated	Nov 10, 2025

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
Relationship	Revocable Trust
Address	PO BOX 101, SOUTH LAKE TAHOE, CA 96158

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	10 COGNAC CIR, SACRAMENTO, CA 95835-2034
Document Number	1912020499
Instrument Date	Nov 21, 2019
Transaction Type	Mortgage
Record Updated	Dec 13, 2019
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 COGNAC CIR SACRAMENTO CA 958352034, SACRAMENTO, CA 95835-2034

Mortgage

Document Number	1912020499
Date	Dec 2, 2019
Instrument	1912020499

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	10 COGNAC CIR, SACRAMENTO, CA 95835-2034
Document Number	1707191169
Instrument Date	Jul 12, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 COGNAC CIR SACRAMENTO CA 958352034, SACRAMENTO, CA 95835-2034

Mortgage

Document Number	1707191169
Date	Jul 19, 2017
Instrument	1707191169

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 10 Cognac Cir was $5,813, down 11.5% from the year before.

Source: Sacramento County assessment roll, as of July 22, 2026

Property Jurisdictions

Type	Name
State	California
County	Sacramento County
Municipality	Sacramento City
Unified School District	Natomas Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$465,780 (+2%) Land $96,012 Building $369,768
2025	$5,813.00 (-11.52%) Homeowner's exemption	$456,648 Land $94,130 Building $362,518
2024	$6,570.00 (+3.12%)
2023	$6,371.00 (+2.25%) Homeowner's exemption	$438,918 Land $90,476 Building $348,442
2022	$6,231.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 10 Cognac Cir in Zone A99, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 29, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A99 high risk · federal flood protection under construction
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 507 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	507 in force
Nearby Flood Claims	41 (1980–2021)
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 9 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 6 claims Severe Storms & Flooding, Feb 1986 · 7 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 10 Cognac Cir is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 73% of California
Wildfire Likelihood	0.09% 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 SACRAMENTO MAIN state or territorial government · serves 527,979 people · EPA ID CA3410020
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	Under 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 787 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
unWired Broadband Fixed Wireless	400 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Cal.net, Fidium Fiber, Succeed.Net.

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