3909 Central Ave, Fair Oaks, CA 95628 Property Records

Sacramento County property record for 3909 Central Ave, Fair Oaks, CA 95628

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,758 sqft · built 1959
Lot Size	0.259 acres (11,300 sqft)
Owner	2 Company Names on Record
Last Sale	$475,000 (Apr 2020)
Tax Bill	$6,231 (2025)
Deeds & Mortgages	Oct 2025 Sale Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`244-0282-026-0000`

Property Details

APN / Parcel Number

Primary APN	`244-0282-026-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,758 sqft Living Area
1st Floor Area	1,758 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	11,300 sqft (0.259 acres)
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3909 CENTRAL AVE
City	FAIR OAKS
State	CA
Zip	95628-7510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5 (PC)(
Legal Description	POR LOTS 3 & 4, FAIR OAKS CITY, DES AS BEG AT A PT LOCATED N 18D1230 W, 100FT., TH FR SD POB S 71D4105 W, 113.60FT., TH N
Legal Subdivision	FAIR OAKS CITY
Legal Lot Number	3,4
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	4
Census Block	4033
Census Tract	8009

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	3909 CENTRAL AVE, FAIR OAKS, CA 95628-7510
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Grant Deed, Transfer
Jul 19, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 8, 2020	Quit Claim Deed, Transfer NORTH AMERICAN TITLE
Apr 8, 2020	Grant Deed, Transfer · Conventional with PMI MOVEMENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2020 · Amount on Record
Deed Sale	Apr 8, 2020 · Amount on Record
Prior Sale	Oct 26, 2004 · Amount on Record
Deed Book / Page	20200408 / 491
Last Transfer Date	Jul 14, 2021
Transfer Doc	7190000001789
Record Updated	Oct 29, 2026

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 3, 2025
Property Address	3909 CENTRAL AVE, FAIR OAKS, CA 95628-7510
Document Number	0000000931
Map Reference	MB 20051017 PG 338
Instrument Date	Oct 2, 2025
Instrument	202510030931
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3909 CENTRAL AVE, FAIR OAKS, CA 95628-7510

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 19, 2021
Property Address	3909 CENTRAL AVE, FAIR OAKS, CA 95628-7510
Document Number	0000001789
Map Reference	MB A MAP 48
Instrument Date	Jul 14, 2021
Instrument	202107191789
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN 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	3909 CENTRAL AVE, FAIR OAKS, CA 95628-7510

Mortgage

Document Number	0000001790
Date	Jul 19, 2021
Instrument	202107191790

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 8, 2020
Property Address	3909 CENTRAL AVE, FAIR OAKS, CA 95628-7510
Document Number	2004080492
Instrument Date	Apr 4, 2020
Instrument	2004080492
Transaction Type	Transfer
Record Updated	May 6, 2020
Title Company	NORTH AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3909 CENTRAL AVE FAIR OAKS CA 956287510, FAIR OAKS, CA 95628-7510

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 8, 2020
Property Address	3909 CENTRAL AVE, FAIR OAKS, CA 95628-7510
Document Number	2004080491
Instrument Date	Apr 3, 2020
Instrument	2004080491
Transaction Type	Transfer
Record Updated	May 6, 2020
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$523.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3909 CENTRAL AVE FAIR OAKS CA 956287510, FAIR OAKS, CA 95628-7510

Mortgage

Document Number	2004080493
Date	Apr 8, 2020
Instrument	2004080493

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 7, 2050

Tax Assessment & Valuation

Source: Sacramento County assessment roll, as of July 22, 2026

Property Jurisdictions

Type	Name
State	California
County	Sacramento County
Unified School District	San Juan Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$575,000 (+10.69%) Land $150,000 Building $425,000
2025	$6,231.00 (+0.79%) Homeowner's exemption	$519,477 (+4.04%) Land $196,854 Building $322,623
2024	$6,182.00 (+3.03%)
2023	$6,000.00 (+0.4%) Homeowner's exemption	$499,308 Land $189,211 Building $310,097
2022	$5,976.00

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

Flood

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
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	1 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

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

Wildfire Risk	Low lower than 67% of the US · lower than 81% of California
Wildfire Likelihood	0.02% 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	FAIR OAKS WATER DISTRICT serves 36,226 people · EPA ID CA3410009
Water Source	Purchased surface water from SAN JUAN WATER DISTRICT
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 412 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
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
Succeed.Net Fixed Wireless	100 / 50

May also be available: GeoLinks, T-Mobile.

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