2607 12th St, Sacramento, CA 95818 Property Records

Sacramento County property record for 2607 12th St, Sacramento, CA 95818

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,077 sqft · built 1946
Lot Size	0.11 acres (4,792 sqft)
Owner	Trust Name on File
Last Sale	$143,500 (Dec 1999)
Tax Bill	$2,742 (2025)
Deeds & Mortgages	Feb 2021 Mortgage May 2023 Reverse Mortgage + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`009-0292-010-0000`

Property Details

APN / Parcel Number

Primary APN	`009-0292-010-0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,077 sqft Living Area
1st Floor Area	1,077 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2607 12TH ST
City	SACRAMENTO
State	CA
Zip	95818-2205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	SWANSTON PARK 03, LOT 17
Legal Subdivision	SWANSTON PARK 03
Legal Lot Number	17
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	4
Census Block	4006
Census Tract	2300

Owner

2607 12th St is owner-occupied and held in a trust since December 1999.

Source: Sacramento County records, as of July 22, 2026

Owner of Record	Trust Name on File
Mailing Address	2607 12TH ST, SACRAMENTO, CA 95818-2205
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living 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
Feb 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 30, 2023	Deed of Trust, Mortgage · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC
Feb 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 20, 2017	Quit Claim Deed, Transfer UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 1999 · Amount on File
Deed Sale	Dec 30, 1999 · Amount on File
Deed Book / Page	991230 / 1950
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	2607 12TH ST, SACRAMENTO, CA 95818-2205
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2607 12TH ST, SACRAMENTO, CA 95818-2205

Mortgage

Document Number	0000002093
Date	Feb 9, 2021
Instrument	202102092093

Lender

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

Agreement

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

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	2607 12TH ST, SACRAMENTO, CA 95818-2205
Transaction Type	Mortgage
Record Updated	Jun 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2607 12TH ST, SACRAMENTO, CA 95818-2205

Mortgage

Document Number	0000000242
Date	May 30, 2023
Instrument	202305300242

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.27%
Type Change Date	Jul 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	11.2%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	2607 12TH ST, SACRAMENTO, CA 95818-2205
Transaction Type	Mortgage
Record Updated	Jul 13, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2607 12TH ST, SACRAMENTO, CA 95818-2205

Mortgage

Document Number	2090000002093
Date	Feb 9, 2021
Book Page	20210209/2093

Lender

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

Agreement

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

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 20, 2017
Property Address	2607 12TH ST, SACRAMENTO, CA 95818-2205
Document Number	1707201021
Instrument Date	Jul 17, 2017
Instrument	1707201021
Transaction Type	Transfer
Record Updated	Feb 26, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2607 12TH ST SACRAMENTO CA 958182205, SACRAMENTO, CA 95818-2205

Mortgage

Document Number	2102092093
Date	Jul 20, 2017
Instrument	2102092093

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 19, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2607 12th St was $2,742 with a homeowner's exemption, up 1.4% from the year before.

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	Sacramento City Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$224,943 (+2%) Land $70,534 Building $154,409
2025	$2,742.00 (+1.44%) Homeowner's exemption	$220,533 Land $69,151 Building $151,382
2024	$2,703.00 (+2.46%)
2023	$2,638.00 (+1.77%) Homeowner's exemption	$211,971 Land $66,467 Building $145,504
2022	$2,592.00

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

Flood

FEMA maps place 2607 12th St in Zone X, where a levee reduces flood risk, though there have been 11 flood claims nearby since 1993.

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 File median of 64 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	64 in force
Nearby Flood Claims	11 (1993–2004)
Claims Outside the SFHA	3 of 11
Most Recent Claim	Sep 2004 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding Landslides, Mud Flow, Feb 1995 · 2 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 3 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

The area around 2607 12th St has no burnable land within ember reach, so its wildfire risk is not rated.

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	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 575 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
Xfinity Cable	2,000 / 2,000
Fidium Fiber Fiber	2,000 / 2,000
Verizon Fixed Wireless	1,000 / 75
unWired Broadband Fixed Wireless	400 / 50

May also be available: GeoLinks, Succeed.Net.

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