10189 Lofton Ct, Elk Grove, CA 95757 Property Records

Sacramento County property record for 10189 Lofton Ct, Elk Grove, CA 95757

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,540 sqft · built 2004
Lot Size	0.109 acres (4,725 sqft)
Owner	2 Individual Names on File
Last Sale	$412,000 (Oct 2019)
Tax Bill	$6,908 (2025)
Deeds & Mortgages	Mar 2022 Second Mortgage Jun 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`132-1500-081-0000`

Property Details

APN / Parcel Number

Primary APN	`132-1500-081-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,540 sqft Living Area
1st Floor Area	1,540 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	4,725 sqft (0.109 acres)
Garage Area	413 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	10189 LOFTON CT
City	ELK GROVE
State	CA
Zip	95757-4312
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-7
Legal Description	GILLIAM MEADOWS UNIT 1D, LOT 81
Legal Subdivision	GILLIAM MEADOWS UNIT 1D
Legal Lot Number	81
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1010
Census Tract	9647

Owner

10189 Lofton Ct is owned and occupied by two individuals who bought it in October 2019.

Source: Sacramento County records, as of July 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10189 LOFTON CT, ELK GROVE, CA 95757-4312
Occupancy	Owner Occupied
Owner Type	Individual

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 28, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SCHOOLSFIRST FCU
Jun 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jun 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Oct 21, 2019	Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MTG
Jul 3, 2017	Grant Deed, Transfer PLACER TITLE COMPANY, PLACER TITLE CO.
Apr 25, 2017	Grant Deed, Transfer PLACER TITLE COMPANY, PLACER TITLE CO.

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2019 · Amount on File
Deed Sale	Oct 21, 2019 · Amount on File
Prior Sale	Jul 3, 2017 · Amount on File
Deed Book / Page	20191021 / 1303
Prior Transfer Date	Apr 19, 2017
Prior Transfer Doc	7030000000622
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	10189 LOFTON CT, ELK GROVE, CA 95757-4312
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10189 LOFTON CT, ELK GROVE, CA 95757-4312

Mortgage

Document Number	0000000013
Date	Mar 28, 2022
Instrument	2022032800013

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2037

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	10189 LOFTON CT, ELK GROVE, CA 95757-4312
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10189 LOFTON CT, ELK GROVE, CA 95757-4312

Mortgage

Document Number	0000001444
Date	Jun 2, 2021
Instrument	202106021444

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

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

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	10189 LOFTON CT, ELK GROVE, CA 95757-4312
Transaction Type	Mortgage
Record Updated	Jun 16, 2021
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10189 LOFTON CT, ELK GROVE, CA 95757-4312

Mortgage

Document Number	6020000001444
Date	Jun 2, 2021
Book Page	20210602/1444

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

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

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 21, 2019
Property Address	10189 LOFTON CT, ELK GROVE, CA 95757-4312
Document Number	1910211303
Instrument Date	Oct 16, 2019
Instrument	1910211303
Transaction Type	Transfer
Record Updated	Nov 1, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$453.20
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	10189 LOFTON CT ELK GROVE CA 957574312, ELK GROVE, CA 95757-4312

Mortgage

Document Number	1910211304
Date	Oct 21, 2019
Instrument	1910211304

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 20, 2049

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 3, 2017
Property Address	10189 LOFTON CT, ELK GROVE, CA 95757-4312
Document Number	1707030622
Instrument Date	Apr 17, 2017
Instrument	1707030622
Transaction Type	Transfer
Record Updated	Jul 25, 2017
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount on Record
Tax	$399.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10189 LOFTON CT ELK GROVE CA 957574312, ELK GROVE, CA 95757-4312

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 25, 2017
Property Address	10189 LOFTON CT, ELK GROVE, CA 95757-4312
Document Number	0000001004
Book / Page	170425 / 001004
Instrument Date	Apr 17, 2017
Transaction Type	Transfer
Record Updated	May 3, 2017
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount on Record
Tax	$399.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10189 LOFTON CT ELK GROVE CA 957574312, ELK GROVE, CA 95757-4312

Tax Assessment & Valuation

The 2025 property tax bill for 10189 Lofton Ct was $6,908, up 1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$459,588 (+2%) Land $139,437 Building $320,151
2025	$6,908.00 (+1.04%)	$450,577 Land $136,703 Building $313,874
2024	$6,837.00 (+2.33%)
2023	$6,681.00 (+1.61%)	$433,083 Land $131,396 Building $301,687
2022	$6,575.00

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

Flood

FEMA maps place 10189 Lofton Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 29, 2026 · 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	2 in force

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 10189 Lofton Ct is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	SCWA - LAGUNA/VINEYARD serves 188,417 people · EPA ID CA3410029
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
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. 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 784 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Fidium Fiber Fiber	2,000 / 2,000
unWired Broadband Fixed Wireless	400 / 50
DigitalPath Fixed Wireless	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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