351 Sumatra Dr, Sacramento, CA 95838 Property Records

Sacramento County property record for 351 Sumatra Dr, Sacramento, CA 95838

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,526 sqft · built 1992
Lot Size	0.213 acres (9,280 sqft)
Owner	2 Individual Names on File
Last Sale	$347,000 (Apr 2020)
Tax Bill	$4,980 (2025)
Deeds & Mortgages	Jul 2025 Line of Credit Mar 2021 Mortgage + 4 more
Flood Zone	Zone X (reduced by levee)
APN	`226-0380-056-0000`

Property Details

APN / Parcel Number

Primary APN	`226-0380-056-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,526 sqft Living Area
1st Floor Area	1,526 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	9,280 sqft (0.213 acres)
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	351 SUMATRA DR
City	SACRAMENTO
State	CA
Zip	95838-4834
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-PUD
Legal Description	KELTON SUBDIVISION, LOT 139
Legal Subdivision	KELTON SUBDIVISION
Legal Lot Number	139
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	3
Census Block	3009
Census Tract	7204

Owner

351 Sumatra Dr is owned and occupied by two individuals who bought it in April 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	351 SUMATRA DR, SACRAMENTO, CA 95838-4834
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
Jul 8, 2025	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU
Mar 8, 2021	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE COMPANY LLC
Mar 8, 2021	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE COMPANY LLC
Apr 20, 2020	Grant Deed, Transfer · FHA Mortgage GUILD MTG
Jul 2, 2019	Deed of Trust, Mortgage · FHA Mortgage SIERRA PACIFIC MTG
Nov 14, 2018	Deed of Trust, Mortgage · FHA Mortgage SIERRA PACIFIC MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2020 · Amount on File
Deed Sale	Apr 20, 2020 · Amount on File
Prior Sale	Apr 29, 1994 · Amount on File
Deed Book / Page	20200420 / 1140
Prior Transfer Date	Dec 27, 2002
Prior Transfer Doc	2002004652
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	351 SUMATRA DR, SACRAMENTO, CA 95838-4834
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	351 SUMATRA DR, SACRAMENTO, CA 95838-4834

Mortgage

Document Number	0000000694
Date	Jul 8, 2025
Instrument	202507080694

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	351 SUMATRA DR, SACRAMENTO, CA 95838-4834
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	ORABGE COAST TITLE, ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	351 SUMATRA DR, SACRAMENTO, CA 95838-4834

Mortgage

Document Number	0000002095
Date	Mar 8, 2021
Instrument	202103082095

Lender

Name	GUILD MORTGAGE COMPANY LLC
Type	Non-Lending Institution
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	351 SUMATRA DR, SACRAMENTO, CA 95838-4834
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	ORABGE COAST TITLE, ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	351 SUMATRA DR, SACRAMENTO, CA 95838-4834

Mortgage

Document Number	3080000002095
Date	Mar 8, 2021
Book Page	20210308/2095

Lender

Name	GUILD MORTGAGE COMPANY LLC
Type	Non-Lending Institution
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 20, 2020
Property Address	351 SUMATRA DR, SACRAMENTO, CA 95838-4834
Document Number	2004201140
Instrument Date	Apr 16, 2020
Instrument	2004201140
Transaction Type	Transfer
Record Updated	May 11, 2020
Title Company	ORANGE COAST TITLE COMPANY/NTHRN CA, ORANGE COAST TITLE CO/NTHRN CA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$382.00
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	351 SUMATRA DR SACRAMENTO CA 958384834, SACRAMENTO, CA 95838-4834

Mortgage

Document Number	2004201141
Date	Apr 20, 2020
Instrument	2004201141

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 19, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	351 SUMATRA DR, SACRAMENTO, CA 95838-4834
Document Number	1907101257
Instrument Date	Jul 2, 2019
Transaction Type	Mortgage
Record Updated	Jul 23, 2019
Title Company	STEWART TITLE, STEWART TITLE/SACRAMENTO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	351 SUMATRA DR SACRAMENTO CA 958384834, SACRAMENTO, CA 95838-4834

Mortgage

Document Number	1907101257
Date	Jul 10, 2019
Instrument	1907101257

Lender

Name	SIERRA PACIFIC MTG
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 9, 2049

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	351 SUMATRA DR, SACRAMENTO, CA 95838-4834
Document Number	1811190630
Instrument Date	Nov 14, 2018
Transaction Type	Mortgage
Record Updated	Dec 4, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	351 SUMATRA DR SACRAMENTO CA 958384834, SACRAMENTO, CA 95838-4834

Mortgage

Document Number	1811190630
Date	Nov 19, 2018
Instrument	1811190630

Lender

Name	SIERRA PACIFIC MTG
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 18, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 351 Sumatra Dr was $4,980 with a homeowner's exemption, up 4.1% 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
Secondary School District	Twin Rivers Unified School District (7-12) (07 - 12)
Elementary School District	Robla Elementary School District (KG - 06)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$387,081 (+2%) Land $100,394 Building $286,687
2025	$4,980.00 (+4.08%) Homeowner's exemption	$379,492 Land $98,426 Building $281,066
2024	$4,785.00 (-3.31%)
2023	$4,949.00 (+5.91%) Homeowner's exemption	$364,757 Land $94,605 Building $270,152
2022	$4,673.00

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

Flood

FEMA maps place 351 Sumatra Dr in Zone X, where a levee reduces flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 28 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	28 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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 351 Sumatra Dr is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 72% of California
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect 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 637 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
unWired Broadband Fixed Wireless	400 / 50
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Succeed.Net.

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