111 Cognac Cir, Sacramento, CA 95835 Property Records

Sacramento County property record for 111 Cognac Cir, Sacramento, CA 95835

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,365 sqft · built 2002
Lot Size	0.129 acres (5,612 sqft)
Owner	2 Individual Names on File
Last Sale	$310,000 (Aug 2013)
Tax Bill	$5,006 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jun 2023 Line of Credit + 2 more
Flood Zone	Zone A99 (high risk)
APN	`225-1570-055-0000`

Property Details

APN / Parcel Number

Primary APN	`225-1570-055-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,365 sqft Living Area
1st Floor Area	1,187 sqft
2nd Floor Area	1,178 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	5,612 sqft (0.129 acres)
Garage Area	718 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	111 COGNAC CIR
City	SACRAMENTO
State	CA
Zip	95835-2035
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A-PUD
Legal Description	WESTBOROUGH VLG 01 PH 02, LOT 25
Legal Subdivision	WESTBOROUGH VLG 01 PH 02
Legal Lot Number	25
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1011
Census Tract	7107

Owner

111 Cognac Cir is owned and occupied by two individuals who bought it in August 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	111 COGNAC CIR, SACRAMENTO, CA 95835-2035
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
Apr 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE GOLDEN 1 CU
Jun 28, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
Apr 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE GOLDEN 1 CU
Apr 25, 2018	Deed of Trust, Mortgage · Line of Credit GOLDEN 1 CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2013 · Amount on File
Deed Sale	Aug 12, 2013 · Amount on File
Prior Sale	Oct 9, 2002 · Amount on File
Deed Book / Page	20130812 / 710
Prior Transfer Date	Oct 11, 2004
Prior Transfer Doc	2004001968
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	111 COGNAC CIR, SACRAMENTO, CA 95835-2035
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 COGNAC CIR, SACRAMENTO, CA 95835-2035

Mortgage

Document Number	0000001140
Date	Apr 19, 2021
Instrument	202104191140

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	111 COGNAC CIR, SACRAMENTO, CA 95835-2035
Transaction Type	Mortgage
Record Updated	Jul 10, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 COGNAC CIR, SACRAMENTO, CA 95835-2035

Mortgage

Document Number	0000000581
Date	Jun 28, 2023
Instrument	202306280581

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 16, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	111 COGNAC CIR, SACRAMENTO, CA 95835-2035
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 COGNAC CIR, SACRAMENTO, CA 95835-2035

Mortgage

Document Number	4190000001140
Date	Apr 19, 2021
Book Page	20210419/1140

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	111 COGNAC CIR, SACRAMENTO, CA 95835-2035
Document Number	1805040792
Instrument Date	Apr 25, 2018
Transaction Type	Mortgage
Record Updated	May 25, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	111 COGNAC CIR SACRAMENTO CA 958352035, SACRAMENTO, CA 95835-2035

Mortgage

Document Number	1805040792
Date	May 4, 2018
Instrument	1805040792

Lender

Name	GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 3, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 111 Cognac Cir was $5,006, down 12.6% 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		$387,605 (+2%) Land $93,772 Building $293,833
2025	$5,006.00 (-12.57%)	$380,006 Land $91,934 Building $288,072
2024	$5,726.00 (+2.67%)
2023	$5,577.00 (+2.26%)	$365,252 Land $88,365 Building $276,887
2022	$5,454.00

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

Flood

FEMA maps place 111 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 111 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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