1645 Eldridge Ave, Sacramento, CA 95815 Property Records

Sacramento County property record for 1645 Eldridge Ave, Sacramento, CA 95815

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,208 sqft · built 1927
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$289,000 (Jan 2021)
Tax Bill	$6,126 (2025)
Deeds & Mortgages	Nov 2023 Mortgage May 2022 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`265-0372-031-0000`

Property Details

APN / Parcel Number

Primary APN	`265-0372-031-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,208 sqft Living Area
1st Floor Area	1,208 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Solar

Location & Zoning

Street Address	1645 ELDRIDGE AVE
City	SACRAMENTO
State	CA
Zip	95815-1513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	NORTH SACRAMENTO 08, LOT 29, BLOCK:: 45
Legal Subdivision	NORTH SACRAMENTO 08
Legal Block	45
Legal Lot Number	29
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	2
Census Block	2018
Census Tract	6300

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	Individual Name on Record
Mailing Address	1645 ELDRIDGE AVE, SACRAMENTO, CA 95815-1513
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
May 12, 2022	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
Jul 11, 2024	Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC
Jan 27, 2021	Grant Deed, Transfer · FHA Mortgage SUMMIT FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2021 · Amount on Record
Deed Sale	Jan 27, 2021 · Amount on Record
Prior Sale	Jul 21, 2014 · Amount on Record
Deed Book / Page	20210127 / 1070
Prior Transfer Date	Apr 29, 2009
Prior Transfer Doc	0000000519
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1645 ELDRIDGE AVE, SACRAMENTO, CA 95815-1513
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 ELDRIDGE AVE, SACRAMENTO, CA 95815-1513
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001043
Date	Nov 28, 2023
Instrument	202311281043

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	327 Months
Due	Feb 1, 2051

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1645 ELDRIDGE AVE, SACRAMENTO, CA 95815-1513
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 ELDRIDGE AVE, SACRAMENTO, CA 95815-1513
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000828
Date	May 12, 2022
Instrument	2022051200828

Lender

Name	UMPQUA BANK
Type	Bank
Address	SPOKANE, WA 99201

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1645 ELDRIDGE AVE, SACRAMENTO, CA 95815-1513
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 ELDRIDGE AVE, SACRAMENTO, CA 95815-1513
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000621
Date	Jul 11, 2024
Instrument	202407110621

Lender

Name	LOANCARE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jan 27, 2021
Property Address	1645 ELDRIDGE AVE, SACRAMENTO, CA 95815-1513
Document Number	2101271070
Instrument Date	Jan 21, 2021
Instrument	2101271070
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$318.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 ELDRIDGE AVE SACRAMENTO CA 958151513, SACRAMENTO, CA 95815-1513

Mortgage

Document Number	2101271071
Date	Jan 27, 2021
Instrument	2101271071

Lender

Name	SUMMIT FNDG
Type	Funding / Finance Company
Address	SACRAMENTO, CA 95815

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 26, 2051

Mortgage

Document Number	2101271072,
Date	Jan 27, 2021
Instrument	2101271072

Lender

Name	SUMMIT FNDG
Type	Funding / Finance Company
Address	FLINT, MI 48501-2026

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 26, 2051

Tax Assessment & Valuation

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	Twin Rivers Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$319,076 (+2%) Land $99,366 Building $219,710
2025	$6,126.00 (+15%)	$312,820 (+4.04%) Land $97,418 Building $215,402
2024	$5,327.00 (+41.11%)
2023	$3,775.00 (+6.01%)	$300,675 Land $93,636 Building $207,039
2022	$3,561.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 25 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	25 in force
Nearby Flood Claims	17 (1982–2006)
Claims Outside the SFHA	9 of 17
Most Recent Claim	Jan 2006 · Severe Storms, Flooding, Mudslides, And Landslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 10 claims Severe Storms & Flooding, Feb 1986 · 2 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 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	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 305 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Succeed.Net.

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