2978 Spencer Ave, Sanger, CA 93657 Property Records

Fresno County property record for 2978 Spencer Ave, Sanger, CA 93657

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,698 sqft · built 2013
Lot Size	0.153 acres (6,666 sqft)
Owner	2 Individual Names on File
Last Sale	$172,500 (Jun 2013)
Tax Bill	$3,517 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`315-540-04`

Property Details

APN / Parcel Number

Primary APN	`315-540-04`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,698 sqft Living Area
1st Floor Area	1,698 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Construction Type	Frame
Lot Area	6,666 sqft (0.153 acres)
Lot Dimensions	101 ft deep x 66 ft wide
Garage Area	452 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Refrigeration

Location & Zoning

Street Address	2978 SPENCER AVE
City	SANGER
State	CA
Zip	93657-4261
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 122 TRACT NO 5383 ROYAL WOODS
Legal Subdivision	ROYAL WOODS 5383
Legal Tract	5383
Legal Lot Number	122
Jurisdiction	FRESNO CA
Township / Civil Division	SANGER
Census Block Group	1
Census Block	1023
Census Tract	6001

Owner

2978 Spencer Ave is owned and occupied by two individuals who bought it in June 2013.

Source: Fresno County records, as of August 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2978 SPENCER AVE, SANGER, CA 93657-4261
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2022	Deed of Trust, Mortgage · Line of Credit THE GOLDEN 1 CU
Oct 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE GOLDEN 1 CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2013 · Amount on File
Deed Sale	Jun 21, 2013 · Amount on File
Prior Sale	Feb 15, 2012 · Amount on File
Deed Document Number	201387562
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRESNO CA
Property Address	2978 SPENCER AVE, SANGER, CA 93657-4261
Transaction Type	Mortgage
Record Updated	Oct 7, 2022
Title Company	PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2978 SPENCER AVE, SANGER, CA 93657-4261

Mortgage

Document Number	0000116477
Date	Sep 19, 2022
Instrument	2022-0116477

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRESNO CA
Property Address	2978 SPENCER AVE, SANGER, CA 93657-4261
Transaction Type	Mortgage
Record Updated	Jul 20, 2022
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2978 SPENCER AVE, SANGER, CA 93657-4261

Mortgage

Document Number	0000137684
Date	Oct 5, 2020
Instrument	2020-0137684

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 2978 Spencer Ave was $3,517.

Source: Fresno County assessment roll, as of August 13, 2026

Property Jurisdictions

Type	Name
State	California
County	Fresno County
Municipality	Sanger City
Unified School District	Sanger Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$216,027 (+2%) Land $31,394 Building $184,633
2025	$3,517.00	$211,792 Land $30,779 Building $181,013
2023	$3,302.00 (+4.33%)	$203,570 Land $29,585 Building $173,985
2022	$3,165.00

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

Flood

FEMA maps place 2978 Spencer Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 29, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2978 Spencer Ave is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% of California
Wildfire Likelihood	0.02% 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 SANGER serves 26,357 people · EPA ID CA1010029
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 578 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

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