3181 U St, Sacramento, CA 95817 Property Records

Sacramento County property record for 3181 U St, Sacramento, CA 95817

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 945 sqft · built 1928
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$410,000 (May 2018)
Tax Bill	$5,567 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (reduced by levee)
APN	`010-0134-044-0000`

Property Details

APN / Parcel Number

Primary APN	`010-0134-044-0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	945 sqft Living Area
1st Floor Area	945 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	L-Shape
Exterior Material	Block
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,356 sqft (0.1 acres)
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Solar
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3181 U ST
City	SACRAMENTO
State	CA
Zip	95817-1216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-SPD
Legal Description	T STREET ADDITION, LOT 14
Legal Subdivision	T STREET ADDITION
Legal Lot Number	14
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1016
Census Tract	1800

Owner

3181 U St is owned and occupied by an individual who bought it in May 2018.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	3181 U ST, SACRAMENTO, CA 95817-1216
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Aug 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Mar 27, 2020	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MTG
May 2, 2018	Grant Deed, Transfer · Conventional with PMI UNITED WHOLESALE MTG
Oct 2, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2018 · Amount on File
Deed Sale	May 2, 2018 · Amount on File
Prior Sale	Dec 19, 2014 · Amount on File
Deed Book / Page	20180502 / 1571
Prior Transfer Date	Sep 14, 2001
Prior Transfer Doc	2001001071
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3181 U ST, SACRAMENTO, CA 95817-1216
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3181 U ST, SACRAMENTO, CA 95817-1216

Mortgage

Document Number	0000000766
Date	Aug 20, 2021
Instrument	2021082000766

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

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

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3181 U ST, SACRAMENTO, CA 95817-1216
Transaction Type	Mortgage
Record Updated	Sep 1, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3181 U ST, SACRAMENTO, CA 95817-1216

Mortgage

Document Number	2021082000766
Date	Aug 20, 2021
Instrument	2021082000766

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3181 U ST, SACRAMENTO, CA 95817-1216
Document Number	2004060278
Instrument Date	Mar 27, 2020
Transaction Type	Mortgage
Record Updated	May 4, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3181 U ST SACRAMENTO CA 958171216, SACRAMENTO, CA 95817-1216

Mortgage

Document Number	2004060278
Date	Apr 6, 2020
Instrument	2004060278

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 5, 2050

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 2, 2018
Property Address	3181 U ST, SACRAMENTO, CA 95817-1216
Document Number	1805021571
Instrument Date	Apr 27, 2018
Instrument	1805021571
Transaction Type	Transfer
Record Updated	May 14, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$451.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3181 U ST SACRAMENTO CA 958171216, SACRAMENTO, CA 95817-1216

Mortgage

Document Number	1805021572
Date	May 2, 2018
Instrument	1805021572

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3181 U ST, SACRAMENTO, CA 95817-1216
Document Number	1710110606
Instrument Date	Oct 2, 2017
Transaction Type	Mortgage
Record Updated	Oct 18, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3181 U ST SACRAMENTO CA 958171216, SACRAMENTO, CA 95817-1216

Mortgage

Document Number	1710110606
Date	Oct 11, 2017
Instrument	1710110606

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 10, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3181 U St was $5,567, 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		$475,835 (+2%) Land $116,056 Building $359,779
2025	$5,567.00 (+1.42%)	$466,506 Land $113,781 Building $352,725
2024	$5,489.00 (+2.41%)
2023	$5,360.00 (+1.71%)	$448,392 Land $109,363 Building $339,029
2022	$5,270.00

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

Flood

FEMA maps place 3181 U St in Zone X, where a levee reduces flood risk, though there have been 6 flood claims nearby since 1992.

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 21 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	6 (1992–2002)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jan 2002 · rainfall accumulation
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 2 claims Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 2 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 3181 U 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 442 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
Verizon Fixed Wireless	1,000 / 75
unWired Broadband Fixed Wireless	400 / 50

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

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