3540 Kern St, Sacramento, CA 95838 Property Records

Sacramento County property record for 3540 Kern St, Sacramento, CA 95838

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,102 sqft · built 1940
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$381,000 (May 2022)
Tax Bill	$4,912 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`252-0221-028-0000`

Property Details

APN / Parcel Number

Primary APN	`252-0221-028-0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	1,102 sqft Living Area
1st Floor Area	750 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Heating Fuel	Solar

Location & Zoning

Street Address	3540 KERN ST
City	SACRAMENTO
State	CA
Zip	95838-4611
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-1
Legal Description	S 50 FT OF N 283.65 FT OF W 200 FT BLK I HAGGINWOOD SUB NO 5 NORTH SACTO
Legal Subdivision	HAGGINWOOD 05
Legal Block	I
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1006
Census Tract	6300

Owner

3540 Kern St, a duplex, is owned by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Mailing Address	2763 S NORFOLK ST, 303, SAN MATEO, CA 94403-1676
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2022 · Amount on File
Deed Sale	May 20, 2022 · Amount on File
Prior Sale	Oct 17, 2014 · Amount on File
Deed Book / Page	20220520 / 717
Prior Transfer Date	Feb 23, 1994
Prior Transfer Doc	9403001329
Record Updated	Oct 29, 2026

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 20, 2022
Property Address	3540 KERN ST, SACRAMENTO, CA 95838-4611
Document Number	0000000717
Map Reference	MB 11 PG 36
Instrument Date	May 12, 2022
Instrument	2022052000717
Transaction Type	Transfer
Record Updated	Jun 2, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2763 S NORTFOLK ST #303 # 303, 303, SAN MATEO, CA 94403-1676

Mortgage

Document Number	0000000718
Date	May 20, 2022
Instrument	2022052000718

Lender

Name	ROYAL PACIFIC FUNDING CORP
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 3540 Kern St was $4,912.

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	Twin Rivers Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$412,403 (+2%) Land $129,890 Building $282,513
2025	$4,912.00	$404,318 Land $127,344 Building $276,974
2023	$4,745.00 (+285.15%)	$388,620 Land $122,400 Building $266,220
2022	$1,232.00

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

Flood

FEMA maps place 3540 Kern St in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	3 in force

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 3540 Kern St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 0.01% 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 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 480 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	1,000 / 75
unWired Broadband Fixed Wireless	400 / 50
Succeed.Net Fixed Wireless	100 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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