2325 Native Oak Ln, Sacramento, CA 95825 Property Records

Sacramento County property record for 2325 Native Oak Ln, Sacramento, CA 95825

Property Summary

Property Type	Planned Unit Development
Details	2 bd · 1.5 ba · 1,190 sqft · built 1984
Lot Size	0.033 acres (1,452 sqft)
Owner	2 Trust Names on File
Last Sale	$112,000 (Oct 2015)
Tax Bill	$1,669 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`278-0320-019-0000`

Property Details

APN / Parcel Number

Primary APN	`278-0320-019-0000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,190 sqft Living Area
1st Floor Area	626 sqft
2nd Floor Area	564 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	H-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	1,452 sqft (0.033 acres)
Garage Area	210 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2325 NATIVE OAK LN
City	SACRAMENTO
State	CA
Zip	95825-1076
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Local Zoning Code	RD-20
Legal Description	BELL STREET OAKS, LOT 19
Legal Subdivision	BELL STREET OAKS
Legal Lot Number	19
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1003
Census Tract	5505

Owner

2325 Native Oak Ln, a planned unit development, is owner-occupied and held in a trust since January 2025.

Source: Sacramento County records, as of September 3, 2026

Owner of Record	2 Trust Names on File
Mailing Address	2325 NATIVE OAK LN, SACRAMENTO, CA 95825-1076
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Apr 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 14, 2021	Transfer on Death Deed, Transfer LAWYERS TITLE
Jul 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jun 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2015 · Amount on File
Deed Sale	Oct 19, 2015 · Amount on File
Prior Sale	Dec 24, 2013 · Amount on File
Deed Book / Page	20151019 / 978
Last Transfer Date	Jan 6, 2025
Transfer Doc	2025000387
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	2325 NATIVE OAK LN, SACRAMENTO, CA 95825-1076
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2325 NATIVE OAK LN, SACRAMENTO, CA 95825-1076

Mortgage

Document Number	0000001923
Date	Apr 14, 2021
Instrument	202104141923

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

April 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 14, 2021
Property Address	2325 NATIVE OAK LN, SACRAMENTO, CA 95825-1076
Document Number	0000001924
Map Reference	MB 147 MAP 5
Instrument Date	Apr 9, 2021
Instrument	202104141924
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	2325 NATIVE OAK LN, SACRAMENTO, CA 95825-1076
Document Number	2008030427
Instrument Date	Jul 29, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2325 NATIVE OAK LN SACRAMENTO CA 958251076, SACRAMENTO, CA 95825-1076

Mortgage

Document Number	2008030427
Date	Aug 3, 2020
Instrument	2008030427

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 2, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	2325 NATIVE OAK LN, SACRAMENTO, CA 95825-1076
Document Number	1906141097
Instrument Date	Jun 10, 2019
Transaction Type	Mortgage
Record Updated	Jul 2, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2325 NATIVE OAK LN SACRAMENTO CA 958251076, SACRAMENTO, CA 95825-1076

Mortgage

Document Number	1906141097
Date	Jun 14, 2019
Instrument	1906141097

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 13, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2325 Native Oak Ln was $1,669, up 2.3% from the year before.

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		$135,229 (+2%) Land $36,221 Building $99,008
2025	$1,669.00 (+2.33%)	$132,578 Land $35,511 Building $97,067
2024	$1,631.00 (+2.64%)
2023	$1,589.00 (+0.57%)	$127,432 Land $34,133 Building $93,299
2022	$1,580.00

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

Flood

FEMA maps place 2325 Native Oak Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2024 · rainfall accumulation

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 2325 Native Oak Ln 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 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	SACRAMENTO SUBURBAN WATER DISTRICT serves 194,444 people · EPA ID CA3410001
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2024
Lead	Under 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. 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 516 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Fidium Fiber Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	300 / 30

May also be available: GeoLinks, Succeed.Net, T-Mobile, Verizon.

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