3521 Pacifica Ln, Elk Grove, CA 95758 Property Records

Sacramento County property record for 3521 Pacifica Ln, Elk Grove, CA 95758

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,165 sqft · built 1996
Lot Size	0.184 acres (8,032 sqft)
Owner	2 Individual Names on File
Last Sale	$535,000 (Oct 2004)
Tax Bill	$8,207 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`132-0380-028-0000`

Property Details

APN / Parcel Number

Primary APN	`132-0380-028-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,165 sqft Living Area
1st Floor Area	1,045 sqft
2nd Floor Area	1,120 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	8,032 sqft (0.184 acres)
Garage Area	789 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3521 PACIFICA LN
City	ELK GROVE
State	CA
Zip	95758-4642
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	LAKESIDE 03, LOT 28
Legal Subdivision	LAKESIDE 03
Legal Lot Number	28
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	4
Census Block	4020
Census Tract	9622

Owner

3521 Pacifica Ln is owned and occupied by two individuals who acquired it in November 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3521 PACIFICA LN, ELK GROVE, CA 95758-4642
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
Jun 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 15, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage GOLDEN BAY MORTGAGE GROUP
May 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANPAL
Aug 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT PTRS GRP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2004 · Amount on File
Deed Sale	Oct 4, 2004 · Amount on File
Prior Sale	Jun 29, 1998 · Amount on File
Deed Book / Page	20041004 / 2428
Last Transfer Date	Nov 8, 2021
Transfer Doc	0000001920
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 2, 2026
Property Address	3521 PACIFICA LN, ELK GROVE, CA 95758-4642
Document Number	2026000493
Book / Page	20260602 / 493
Instrument Date	May 28, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	3521 PACIFICA LN, ELK GROVE, CA 95758-4642

Mortgage

Document Number	2026000493,
Date	Jun 2, 2026
Book Page	20260602/493

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 15, 2021
Property Address	3521 PACIFICA LN, ELK GROVE, CA 95758-4642
Document Number	2021111501920
Map Reference	MB 241 MAP 7
Instrument Date	Nov 8, 2021
Instrument	2021111501920
Transaction Type	Transfer
Record Updated	Nov 25, 2021
Title Company	CHICAGO 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
Relationship	Joint Tenants
Address	3521 PACIFICA LN, ELK GROVE, CA 95758-4642

Mortgage

Document Number	2021111501921
Date	Nov 15, 2021
Instrument	2021111501921

Lender

Name	GOLDEN BAY MORTGAGE GROUP
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2036

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3521 PACIFICA LN, ELK GROVE, CA 95758-4642
Document Number	2005111591
Instrument Date	May 4, 2020
Transaction Type	Mortgage
Record Updated	May 25, 2020
Title Company	STEWART TITLE, STEWART TITLE/SACRAMENTO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3521 PACIFICA LN ELK GROVE CA 957584642, ELK GROVE, CA 95758-4642

Mortgage

Document Number	2005111591
Date	May 11, 2020
Instrument	2005111591

Lender

Name	LOANPAL
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 10, 2035

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3521 PACIFICA LN, ELK GROVE, CA 95758-4642
Document Number	1908300764
Instrument Date	Aug 26, 2019
Transaction Type	Mortgage
Record Updated	Sep 13, 2019
Title Company	STEWART TITLE, STEWART TITLE/SACRAMENTO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3521 PACIFICA LN ELK GROVE CA 957584642, ELK GROVE, CA 95758-4642

Mortgage

Document Number	1908300764
Date	Aug 30, 2019
Instrument	1908300764

Lender

Name	PARAMOUNT PTRS GRP
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 29, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 3521 Pacifica Ln was $8,207 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	Elk Grove City
Unified School District	Elk Grove Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$760,639 (+2%) Land $177,714 Building $582,925
2025	$8,207.00 (+0.86%) Homeowner's exemption	$745,726 Land $174,230 Building $571,496
2024	$8,137.00 (+2.79%)
2023	$7,916.00 (+2.14%) Homeowner's exemption	$716,770 Land $167,465 Building $549,305
2022	$7,750.00

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

Flood

FEMA maps place 3521 Pacifica Ln in Zone X, an area of minimal 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 minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 29 policies
Nearby Flood Policies	29 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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 3521 Pacifica Ln is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SCWA - LAGUNA/VINEYARD serves 188,417 people · EPA ID CA3410029
Water Source	Surface water
Last State Inspection	Dec 2024
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 currently in violation since 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. 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 569 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
DigitalPath Fixed Wireless	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, GeoLinks.

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