130 Cognac Cir, Sacramento, CA 95835 Property Records

Sacramento County property record for 130 Cognac Cir, Sacramento, CA 95835

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,800 sqft · built 2002
Lot Size	0.123 acres (5,355 sqft)
Owner	2 Individual Names on File
Last Sale	$407,000 (Jun 2018)
Tax Bill	$5,880 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone A99 (high risk)
APN	`225-1570-046-0000`

Property Details

APN / Parcel Number

Primary APN	`225-1570-046-0000`

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
Roof Material	Other
Lot Area	5,355 sqft (0.123 acres)
Garage Area	435 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	130 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 16
Legal Subdivision	WESTBOROUGH VLG 01 PH 02
Legal Lot Number	16
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1012
Census Tract	7107

Owner

130 Cognac Cir is owned and occupied by two individuals who bought it in June 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	130 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
Sep 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Sep 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Oct 25, 2019	Quit Claim Deed, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG
Jun 18, 2018	Grant Deed, Transfer · Conventional Mortgage PLAZA HM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2018 · Amount on File
Deed Sale	Jun 18, 2018 · Amount on File
Prior Sale	Jul 6, 2004 · Amount on File
Deed Book / Page	20180618 / 964
Prior Transfer Date	Jan 25, 2006
Prior Transfer Doc	0000001596
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	130 COGNAC CIR, SACRAMENTO, CA 95835-2035
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE OC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 COGNAC CIR, SACRAMENTO, CA 95835-2035

Mortgage

Document Number	0000002126
Date	Sep 9, 2021
Instrument	2021090902126

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	130 COGNAC CIR, SACRAMENTO, CA 95835-2035
Document Number	2009151096
Instrument Date	Sep 10, 2020
Transaction Type	Mortgage
Record Updated	Oct 5, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	130 COGNAC CIR SACRAMENTO CA 958352035, SACRAMENTO, CA 95835-2035

Mortgage

Document Number	2009151096
Date	Sep 15, 2020
Instrument	2009151096

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 14, 2050

October 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 25, 2019
Property Address	130 COGNAC CIR, SACRAMENTO, CA 95835-2035
Document Number	1910250936
Instrument Date	Oct 18, 2019
Instrument	1910250936
Transaction Type	Mortgage
Record Updated	Nov 7, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	130 COGNAC CIR SACRAMENTO CA 958352035, SACRAMENTO, CA 95835-2035

Mortgage

Document Number	1910250937
Date	Oct 25, 2019
Instrument	1910250937

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 24, 2049

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 18, 2018
Property Address	130 COGNAC CIR, SACRAMENTO, CA 95835-2035
Document Number	1806180964
Instrument Date	Jun 14, 2018
Instrument	1806180964
Transaction Type	Transfer
Record Updated	Jun 27, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$447.70
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 COGNAC CIR SACRAMENTO CA 958352035, SACRAMENTO, CA 95835-2035

Mortgage

Document Number	1806180965
Date	Jun 18, 2018
Instrument	1806180965

Lender

Name	PLAZA HM MTG
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 17, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 130 Cognac Cir was $5,880 with a homeowner's exemption, 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		$472,351 (+2%) Land $104,450 Building $367,901
2025	$5,880.00 (-11.47%) Homeowner's exemption	$463,090 Land $102,402 Building $360,688
2024	$6,642.00 (+3.17%)
2023	$6,438.00 (+2.24%) Homeowner's exemption	$445,110 Land $98,427 Building $346,683
2022	$6,297.00

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

Flood

FEMA maps place 130 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 130 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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