Sacramento County property record for 305 Rafael Dr, Elverta, CA 95626
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,156 sqft · built 1962 |
| Lot Size | 0.24 acres (10,440 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $239,500 (Dec 2014) |
| Tax Bill | $3,312 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Aug 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 202-0234-005-0000 |
| Primary APN | 202-0234-005-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,156 sqft Living Area |
| 1st Floor Area | 1,156 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | L-Shape |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 10,440 sqft (0.24 acres) |
| Garage Area | 432 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 305 RAFAEL DR |
|---|---|
| City | ELVERTA |
| State | CA |
| Zip | 95626-9546 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RD-5 |
| Legal Description | RANCHO ELVERTA 01, LOT 5 |
| Legal Subdivision | RANCHO ELVERTA 01 |
| Legal Lot Number | 5 |
| Jurisdiction | SACRAMENTO CA |
| Township / Civil Division | SACRAMENTO |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 7206 |
Source: Sacramento County records, as of July 22, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 305 RAFAEL DR, ELVERTA, CA 95626-9546 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 21, 2026 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Aug 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 4, 2014 · Amount on Record |
| Deed Sale | Dec 4, 2014 · Amount on Record |
| Prior Sale | Jul 25, 2014 · Amount on Record |
| Deed Book / Page | 20141204 / 1264 |
| Prior Transfer Date | Jul 29, 2005 |
| Prior Transfer Doc | 0000000263 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Recording Date | Apr 21, 2026 |
| Property Address | 305 RAFAEL DR, ELVERTA, CA 95626-9546 |
| Document Number | 2026000326 |
| Book / Page | 20260421 / 326 |
| Instrument Date | Apr 16, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 305 RAFAEL DR, ELVERTA, CA 95626-9546 |
| Document Number | 2026000326, |
|---|---|
| Date | Apr 21, 2026 |
| Book Page | 20260421/326 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.99% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 305 RAFAEL DR, ELVERTA, CA 95626-9546 |
| Transaction Type | Mortgage |
| Record Updated | Sep 5, 2022 |
| Name | Verified Name |
|---|---|
| Address | 305 RAFAEL DR, ELVERTA, CA 95626-9546 |
| Document Number | 0000000224 |
|---|---|
| Date | Aug 25, 2022 |
| Instrument | 2022082500224 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
Source: Sacramento County assessment roll, as of July 22, 2026
| Type | Name |
|---|---|
| State | California |
| County | Sacramento County |
| Secondary School District | Twin Rivers Unified School District (9-12) (09 - 12) |
| Elementary School District | Elverta Joint Elementary School District (KG - 08) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $293,586 (+2%) Land $73,548 Building $220,038 | |
| 2025 | $3,312.00 (+7.05%) | $287,830 (+4.04%) Land $72,106 Building $215,724 |
| 2024 | $3,094.00 (-1.4%) | |
| 2023 | $3,138.00 (+4.05%) | $276,656 Land $69,307 Building $207,349 |
| 2022 | $3,016.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 Record median of 19 policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 16 (1982–1995) |
| Claims Outside the SFHA | 5 of 16 |
| Most Recent Claim | Mar 1995 · Severe Winter Storms, Flooding Landslides, Mud Flow |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 78% of California |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | RIO LINDA/ELVERTA COMMUNITY WATER DIST serves 15,460 people · EPA ID CA3410018 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 74 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 | 400 / 50 |
| Zeta Broadband Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| DigitalPath Fixed Wireless | 200 / 20 |
| Succeed.Net Fixed Wireless | 100 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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