Sacramento County property record for 21 Cognac Cir, Sacramento, CA 95835
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,653 sqft · built 2002 |
| Lot Size | 0.128 acres (5,562 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $335,000 (Jan 2009) |
| Tax Bill | $5,622 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage |
| Flood Zone | Zone A99 (high risk) |
| APN | 225-1570-037-0000 |
| Primary APN | 225-1570-037-0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,653 sqft Living Area |
| 1st Floor Area | 1,379 sqft |
| 2nd Floor Area | 1,274 sqft |
| Bonus Room | Bonus Room |
| Family Room | Family Room |
| Utility Room | Utility Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 5,562 sqft (0.128 acres) |
| Garage Area | 646 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 21 COGNAC CIR |
|---|---|
| City | SACRAMENTO |
| State | CA |
| Zip | 95835-2034 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1A-PUD |
| Legal Description | WESTBOROUGH VLG 01 PH 02, LOT 7 |
| Legal Subdivision | WESTBOROUGH VLG 01 PH 02 |
| Legal Lot Number | 7 |
| Jurisdiction | SACRAMENTO CA |
| Township / Civil Division | SACRAMENTO |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 7107 |
21 Cognac Cir is owned and occupied by two individuals who bought it in January 2009.
Source: Sacramento County records, as of September 3, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 21 COGNAC CIR, SACRAMENTO, CA 95835-2034 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 21, 2009 · Amount on File |
| Deed Sale | Jan 21, 2009 · Amount on File |
| Prior Sale | Nov 29, 2005 · Amount on File |
| Deed Book / Page | 20090121 / 205 |
| Prior Transfer Date | Apr 5, 2004 |
| Prior Transfer Doc | 2004000998 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 21 COGNAC CIR, SACRAMENTO, CA 95835-2034 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2022 |
| Title Company | BOSTON NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 21 COGNAC CIR, SACRAMENTO, CA 95835-2034 |
| Document Number | 0000000463 |
|---|---|
| Date | Dec 28, 2021 |
| Instrument | 2021122800463 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
The 2025 property tax bill for 21 Cognac Cir was $5,622, down 11.8% from the year before.
Source: Sacramento County assessment roll, as of July 22, 2026
| Type | Name |
|---|---|
| State | California |
| County | Sacramento County |
| Municipality | Sacramento City |
| Unified School District | Natomas Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $440,010 (+2%) Land $131,342 Building $308,668 | |
| 2025 | $5,622.00 (-11.76%) | $431,383 Land $128,767 Building $302,616 |
| 2024 | $6,371.00 (+2.99%) | |
| 2023 | $6,186.00 (+2.23%) | $414,634 Land $123,768 Building $290,866 |
| 2022 | $6,051.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 21 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 |
|
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 risk around 21 Cognac Cir is low, with less than a 0.01% annual chance of 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.
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 |
| 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.
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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