140 Cognac Cir, Sacramento, CA 95835 Property Records

Sacramento County property record for 140 Cognac Cir, Sacramento, CA 95835

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,544 sqft · built 2002
Lot Size	0.123 acres (5,355 sqft)
Owner	2 Individual Names on File
Last Sale	$715,000 (Oct 2026)
Tax Bill	$6,055 (2026)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Jul 2026 Sale & Construction Loan + 2 more
Flood Zone	Zone A99 (high risk)
APN	`225-1570-047-0000`

Property Details

APN / Parcel Number

Primary APN	`225-1570-047-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,544 sqft Living Area
1st Floor Area	1,366 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
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	5,355 sqft (0.123 acres)
Garage Area	539 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	140 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 17
Legal Subdivision	WESTBOROUGH VLG 01 PH 02
Legal Lot Number	17
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1012
Census Tract	7107

Owner

140 Cognac Cir is owned and occupied by two individuals who bought it in October 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	140 COGNAC CIR, SACRAMENTO, CA 95835-2035
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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 14, 2026	Grant Deed, Transfer · VA Mortgage Q FINANCIAL INC
Jul 15, 2026	Grant Deed, Transfer · Construction Mortgage TIER 2 FUNDING
Mar 30, 2022	Intrafamily Transfer, Transfer
Mar 30, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2026 · Amount on File
Deed Sale	Oct 14, 2026 · Amount on File
Prior Sale	Jul 15, 2026 · Amount on File
Deed Book / Page	20261014 / 24
Prior Transfer Date	Sep 11, 2008
Prior Transfer Doc	0000000257
Record Updated	Oct 29, 2026

October 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 14, 2026
Property Address	140 COGNAC CIR, SACRAMENTO, CA 95835-2035
Document Number	2026000024
Book / Page	20261014 / 24
Instrument Date	Oct 9, 2026
Transaction Type	Transfer
Record Updated	Oct 21, 2026
Title Company	COAST TITLE, ORANGE COAST TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$79,436.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 COGNAC CIR, SACRAMENTO, CA 95835-2035

Mortgage

Document Number	2026000025,
Date	Oct 14, 2026
Book Page	20261014/25

Lender

Name	Q FINANCIAL INC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2056

Interest

Max Rate	-1%

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 15, 2026
Property Address	140 COGNAC CIR, SACRAMENTO, CA 95835-2035
Document Number	2026001138
Book / Page	20260715 / 1138
Instrument Date	Jul 13, 2026
Transaction Type	Transfer
Record Updated	Jul 24, 2026
Title Company	COAST TITLE, ORANGE COAST TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$56,327.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

Mortgage

Document Number	2026001139,
Date	Jul 15, 2026
Book Page	20260715/1139

Lender

Name	TIER 2 FUNDING

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Aug 1, 2027

Interest

Rate	6.48%
Max Rate	-1%

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 30, 2022
Property Address	140 COGNAC CIR, SACRAMENTO, CA 95835-2035
Document Number	0000001083
Map Reference	MB 286 MAP 8
Instrument Date	Mar 25, 2022
Instrument	2022033001083
Transaction Type	Transfer
Record Updated	Apr 13, 2022

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	Community Property with Right of Survivorship
Address	4630 E IMPERIAL VIEW CT, ROCKLIN, CA 95677-4493

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 30, 2022
Property Address	140 COGNAC CIR, SACRAMENTO, CA 95835-2035
Document Number	0000001084
Map Reference	MB 286 MAP 8
Instrument Date	Mar 25, 2022
Instrument	2022033001084
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Address	4630 E IMPERIAL VIEW CT, ROCKLIN, CA 95677-4493

Tax Assessment & Valuation

The 2026 property tax bill for 140 Cognac Cir was $6,055, up 1.6% 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	$6,055.00 (+1.61%)	$471,226 (+2%) Land $96,012 Building $375,214
2025	$5,959.00 (-11.39%)	$461,987 Land $94,130 Building $367,857
2024	$6,725.00 (+3.16%)
2023	$6,519.00 (+2.21%)	$444,050 Land $90,476 Building $353,574
2022	$6,378.00

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

Flood

FEMA maps place 140 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 140 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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