10320 Upton Ct, Elk Grove, CA 95624 Property Records

Sacramento County property record for 10320 Upton Ct, Elk Grove, CA 95624

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,221 sqft · built 1980
Lot Size	1.83 acres (80,150 sqft)
Owner	2 Individual Names on Record
Last Sale	$850,000 (Aug 2022)
Tax Bill	$9,360 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`127-0270-002-0000`

Property Details

APN / Parcel Number

Primary APN	`127-0270-002-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,221 sqft Living Area
1st Floor Area	2,221 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	80,150 sqft
Garage Area	458 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	10320 UPTON CT
City	ELK GROVE
State	CA
Zip	95624-9417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR-2
Legal Description	RANCHA DE AYALA, LOT 2
Legal Subdivision	RANCHA DE AYALA
Legal Lot Number	2
Jurisdiction	SACRAMENTO CA
Township / Civil Division	ELK GROVE
Census Block Group	2
Census Block	2000
Census Tract	9336

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	4507 LIPPI PKWY, SACRAMENTO, CA 95823-3038
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2022	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG
Nov 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jun 6, 2018	Grant Deed, Transfer · Line of Credit FREMONT BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2022 · Amount on Record
Deed Sale	Aug 31, 2022 · Amount on Record
Prior Sale	Jun 6, 2018 · Amount on Record
Deed Book / Page	20220831 / 688
Prior Transfer Date	Jun 30, 2009
Prior Transfer Doc	0000001271
Record Updated	Oct 29, 2026

August 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 31, 2022
Property Address	10320 UPTON CT, ELK GROVE, CA 95624-9417
Document Number	0000000688
Map Reference	MB 126 MAP 14
Instrument Date	Aug 24, 2022
Instrument	2022083100688
Transaction Type	Transfer
Record Updated	Sep 13, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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	4507 LIPPI PKWY, SACRAMENTO, CA 95823-3038

Mortgage

Document Number	0000000689
Date	Aug 31, 2022
Instrument	2022083100689

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	10320 UPTON CT, ELK GROVE, CA 95624-9417
Document Number	2008210879
Instrument Date	Aug 15, 2020
Transaction Type	Mortgage
Record Updated	Sep 3, 2020
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10320 UPTON CT ELK GROVE CA 956249417, ELK GROVE, CA 95624-9417

Mortgage

Document Number	2008210879
Date	Aug 21, 2020
Instrument	2008210879

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	10320 UPTON CT, ELK GROVE, CA 95624-9417
Document Number	1911200329
Instrument Date	Nov 13, 2019
Transaction Type	Mortgage
Record Updated	Dec 6, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10320 UPTON CT ELK GROVE CA 956249417, ELK GROVE, CA 95624-9417

Mortgage

Document Number	1911200329
Date	Nov 20, 2019
Instrument	1911200329

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 19, 2049

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 6, 2018
Property Address	10320 UPTON CT, ELK GROVE, CA 95624-9417
Document Number	1806061317
Instrument Date	May 31, 2018
Instrument	1806061317
Transaction Type	Transfer
Record Updated	Jun 19, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$764.50
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	10320 UPTON CT ELK GROVE CA 956249417, ELK GROVE, CA 95624-9417

Mortgage

Document Number	1806061319
Date	Jun 6, 2018
Instrument	1806061319

Lender

Name	FREMONT BK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 5, 2048

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	1806061318,
Date	Jun 6, 2018
Instrument	1806061318

Lender

Name	FREMONT BK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 5, 2048

Tax Assessment & Valuation

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		$902,025 (+2%) Land $300,374 Building $601,651
2025	$9,360.00 (+0.83%) Homeowner's exemption	$884,339 (+4.04%) Land $294,485 Building $589,854
2024	$9,283.00 (+2.7%)
2023	$9,039.00 (+12.72%) Homeowner's exemption	$850,000 Land $283,050 Building $566,950
2022	$8,019.00

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

Flood

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	4 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

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

Wildfire Risk	Moderate above 57% of the US · lower than 65% of California
Wildfire Likelihood	0.1% 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	ELK GROVE WATER DISTRICT private · serves 44,065 people · EPA ID CA3410008
Water Source	Purchased surface water from SCWA - LAGUNA/VINEYARD
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2023–2025) 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 46 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 / 250
unWired Broadband Fixed Wireless	400 / 50
Softcom Internet Communications Fixed Wireless	400 / 50
DigitalPath Fixed Wireless	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Verizon.

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