2304 Ramon Dr, Sacramento, CA 95825 Property Records

Sacramento County property record for 2304 Ramon Dr, Sacramento, CA 95825

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,786 sqft · built 1962
Lot Size	0.155 acres (6,768 sqft)
Owner	2 Individual Names on Record
Last Sale	$392,500 (Mar 2019)
Tax Bill	$5,376 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`285-0222-002-0000`

Property Details

APN / Parcel Number

Primary APN	`285-0222-002-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,786 sqft Living Area
1st Floor Area	1,786 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,768 sqft (0.155 acres)
Garage Area	535 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Solar

Location & Zoning

Street Address	2304 RAMON DR
City	SACRAMENTO
State	CA
Zip	95825-3509
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RD-10
Legal Description	BELLA TERRACE 02, LOT 43
Legal Subdivision	BELLA TERRACE 02
Legal Lot Number	43
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	3
Census Block	3006
Census Tract	5510

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	2 Individual Names on Record
Mailing Address	1316 CAYUGA AVE, SAN FRANCISCO, CA 94112-3318
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage RATE RABBIT HM LNS
Mar 29, 2019	Grant Deed, Transfer · Conventional Mortgage PLANET HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2019 · Amount on Record
Deed Sale	Mar 29, 2019 · Amount on Record
Prior Sale	Jun 4, 2004 · Amount on Record
Deed Book / Page	20190329 / 977
Prior Transfer Date	Nov 3, 1997
Prior Transfer Doc	9711000077
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	2304 RAMON DR, SACRAMENTO, CA 95825-3509
Document Number	2010091748
Instrument Date	Sep 30, 2020
Transaction Type	Mortgage
Record Updated	Oct 27, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE MCLPC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1235 MCALLISTER ST #224 SAN FRANCISCO CA 941154670, 224, SAN FRANCISCO, CA 94115-4670

Mortgage

Document Number	2010091748
Date	Oct 9, 2020
Instrument	2010091748

Lender

Name	RATE RABBIT HM LNS
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 8, 2050

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 29, 2019
Property Address	2304 RAMON DR, SACRAMENTO, CA 95825-3509
Document Number	1903290977
Instrument Date	Mar 27, 2019
Instrument	1903290977
Transaction Type	Transfer
Record Updated	Apr 12, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$431.75
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1235 MCALLISTER ST #224 SAN FRANCISCO CA 941154670, 224, SAN FRANCISCO, CA 94115-4670

Mortgage

Document Number	1903290978
Date	Mar 29, 2019
Instrument	1903290978

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 28, 2049

Tax Assessment & Valuation

Source: Sacramento County assessment roll, as of July 22, 2026

Property Jurisdictions

Type	Name
State	California
County	Sacramento County
Unified School District	San Juan Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$446,592 (+2%) Land $113,781 Building $332,811
2025	$5,376.00 (+3.52%)	$437,836 (+4.04%) Land $111,550 Building $326,286
2023	$5,193.00 (+0.56%)	$420,836 Land $107,219 Building $313,617
2022	$5,164.00

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 33 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	4 (1995–2021)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Dec 2021 · other causes
Claims by Event	Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 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	Not rated no burnable land within 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	CAL AM - ARDEN private · serves 4,178 people · EPA ID CA3410045
Water Source	Purchased surface water from CITY OF SACRAMENTO MAIN
Last State Inspection	Mar 2025
Also Mapped Here	SACRAMENTO SUBURBAN WATER DISTRICT
Lead	1 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 448 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
unWired Broadband Fixed Wireless	300 / 30
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Fidium Fiber, GeoLinks, T-Mobile, Verizon.

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