181 Penhow Cir, Sacramento, CA 95834 Property Records

Sacramento County property record for 181 Penhow Cir, Sacramento, CA 95834

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,618 sqft · built 2006
Lot Size	0.052 acres (2,263 sqft)
Owner	Individual Name on Record
Tax Bill	$4,277 (2025)
Deeds & Mortgages	Dec 2024 Mortgage Sep 2025 Transfer + 2 more
Flood Zone	Zone A99 (high risk)
APN	`225-2070-027-0000`

Property Details

APN / Parcel Number

Primary APN	`225-2070-027-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,618 sqft Living Area
1st Floor Area	743 sqft
2nd Floor Area	875 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	H-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	2,263 sqft (0.052 acres)
Garage Area	212 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	181 PENHOW CIR
City	SACRAMENTO
State	CA
Zip	95834-2581
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2A-PUD
Legal Description	CAMBAY WEST VILLAGE 7, LOT 27
Legal Subdivision	CAMBAY WEST VILLAGE 7
Legal Lot Number	27
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	2
Census Block	2015
Census Tract	7025

Owner

Source: Sacramento County records, as of July 22, 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	181 PENHOW CIR, SACRAMENTO, CA 95834-2581
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 25, 2025	Intrafamily Transfer, Transfer PLACER TITLE COMPANY
Sep 25, 2025	Intrafamily Transfer, Transfer · Line of Credit THE GOLDEN 1 CU
Mar 19, 2020	Quit Claim Deed, Transfer · FHA Mortgage BAYSHORE MTG FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 19, 2020
Deed Sale	Mar 19, 2020
Prior Sale	May 14, 2008 · Amount on Record
Deed Book / Page	20200319 / 326
Last Transfer Date	Sep 10, 2025
Transfer Doc	2025000806
Record Updated	Oct 29, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	181 PENHOW CIR, SACRAMENTO, CA 95834-2581
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 PENHOW CIR, SACRAMENTO, CA 95834-2581

Mortgage

Document Number	0000000453
Date	Dec 11, 2024
Instrument	202412110453

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2055

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 25, 2025
Property Address	181 PENHOW CIR, SACRAMENTO, CA 95834-2581
Document Number	0000000805
Map Reference	MB 339 PG 1
Instrument Date	Sep 20, 2025
Instrument	202509250805
Transaction Type	Transfer
Record Updated	Oct 8, 2025
Title Company	PLACER TITLE COMPANY

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	181 PENHOW CIR, SACRAMENTO, CA 95834-2581

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 25, 2025
Property Address	181 PENHOW CIR, SACRAMENTO, CA 95834-2581
Document Number	0000000806
Map Reference	MB 339 PG 1
Instrument Date	Sep 10, 2025
Instrument	202509250806
Transaction Type	Transfer
Record Updated	Oct 8, 2025
Title Company	PLACER TITLE COMPANY

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	Joint Tenants
Address	181 PENHOW CIR, SACRAMENTO, CA 95834-2581

Mortgage

Document Number	0000000807
Date	Sep 25, 2025
Instrument	202509250807

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 19, 2020
Property Address	181 PENHOW CIR, SACRAMENTO, CA 95834-2581
Document Number	2003190326
Instrument Date	Aug 26, 2019
Instrument	2003190326
Transaction Type	Transfer
Record Updated	Apr 21, 2020
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 PENHOW CIR SACRAMENTO CA 958342581, SACRAMENTO, CA 95834-2581

Mortgage

Document Number	2003190327
Date	Mar 19, 2020
Instrument	2003190327

Lender

Name	BAYSHORE MTG FNDG
Type	Mortgage Company
Address	LUTHERVILLE TIMONIUM, MD 21093

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 18, 2050

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	Natomas Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$298,754 (+2%) Land $133,969 Building $164,785
2025	$4,277.00 (-3.37%)	$292,897 (+4.04%) Land $131,343 Building $161,554
2024	$4,426.00 (+5.26%)
2023	$4,205.00 (+2.31%)	$281,526 Land $126,244 Building $155,282
2022	$4,110.00

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 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 Record median of 281 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	281 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Dec 2022 · other causes

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 98% of the US · lower than 98.4% 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 514 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
unWired Broadband Fixed Wireless	400 / 50
Succeed.Net Fixed Wireless	100 / 50
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Cal.net, DigitalPath, Fidium Fiber.

Nearby Properties on Penhow Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures