28 Monaghan Cir, Sacramento, CA 95823 Property Records

Sacramento County property record for 28 Monaghan Cir, Sacramento, CA 95823

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,208 sqft · built 1977
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Nov 2022)
Tax Bill	$4,255 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2024 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`117-0360-059-0000`

Property Details

APN / Parcel Number

Primary APN	`117-0360-059-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,208 sqft Living Area
1st Floor Area	1,208 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	28 MONAGHAN CIR
City	SACRAMENTO
State	CA
Zip	95823-5142
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LARCHMONT VALLEY HI 07, LOT 631
Legal Subdivision	LARCHMONT VALLEY HI 07
Legal Lot Number	631
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	3
Census Block	3005
Census Tract	9634

Owner

28 Monaghan Cir is owned and occupied by an individual who bought it in November 2022.

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

Owner of Record	Individual Name on File
Mailing Address	28 MONAGHAN CIR, SACRAMENTO, CA 95823-5142
Occupancy	Owner Occupied
Owner Type	Individual

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 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEXERA HOLDING LLC
Apr 17, 2024	Deed of Trust, Mortgage · FHA Mortgage TJC MORTGAGE INC
Nov 16, 2022	Affidavit of Death of Joint Tenant, Transfer PLACER TITLE COMPANY
Nov 16, 2022	Grant Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2022 · Amount on File
Deed Sale	Nov 16, 2022 · Amount on File
Deed Book / Page	20221116 / 90
Prior Transfer Date	Nov 10, 2022
Prior Transfer Doc	2022000089
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 9, 2026
Property Address	28 MONAGHAN CIR, SACRAMENTO, CA 95823-5142
Document Number	2026000977
Book / Page	20260409 / 977
Instrument Date	Apr 3, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 MONAGHAN CIR, SACRAMENTO, CA 95823-5142

Mortgage

Document Number	2026000977,
Date	Apr 9, 2026
Book Page	20260409/977

Lender

Name	NEXERA HOLDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	28 MONAGHAN CIR, SACRAMENTO, CA 95823-5142
Transaction Type	Mortgage
Record Updated	May 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 MONAGHAN CIR, SACRAMENTO, CA 95823-5142

Mortgage

Document Number	0000000039
Date	Apr 17, 2024
Instrument	202404170039

Lender

Name	TJC MORTGAGE INC
Type	Mortgage Company
Address	BIRMINGHAM, AL 35243

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

November 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 16, 2022
Property Address	28 MONAGHAN CIR, SACRAMENTO, CA 95823-5142
Document Number	0000000089
Map Reference	MB 106 MAP 20
Instrument Date	Nov 14, 2022
Instrument	2022111600089
Transaction Type	Transfer
Record Updated	Nov 25, 2022
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	828 LAKE FRONT DR, SACRAMENTO, CA 95831-4321

November 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 16, 2022
Property Address	28 MONAGHAN CIR, SACRAMENTO, CA 95823-5142
Document Number	0000000090
Map Reference	MB 106 MAP 20
Instrument Date	Nov 14, 2022
Instrument	2022111600090
Transaction Type	Transfer
Record Updated	Nov 25, 2022
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 MONAGHAN CIR, SACRAMENTO, CA 95823-5142

Mortgage

Document Number	0000000091
Date	Nov 16, 2022
Instrument	2022111600091

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 28 Monaghan Cir was $4,255 with a homeowner's exemption, up 0.9% 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	Elk Grove Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$392,646 (+2%) Land $100,814 Building $291,832
2025	$4,255.00 (+0.85%) Homeowner's exemption	$384,948 Land $98,838 Building $286,110
2024	$4,219.00 (+314.44%)
2023	$1,018.00 (+0.59%) Homeowner's exemption	$76,548 Land $13,805 Building $62,743
2022	$1,012.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 28 Monaghan Cir in Zone X, an area of moderate flood risk.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	6 in force

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 28 Monaghan Cir is low, with 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 80% of the US · lower than 88% of California
Wildfire Likelihood	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 707 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	1,000 / 75
unWired Broadband Fixed Wireless	300 / 30
DigitalPath Fixed Wireless	200 / 20
AT&T DSL	100 / 20

May also be available: GeoLinks.

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