3915 Central Ave, Fair Oaks, CA 95628 Property Records

Sacramento County property record for 3915 Central Ave, Fair Oaks, CA 95628

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,424 sqft · built 1955
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Trust Names on File
Last Sale	$435,000 (Aug 2017)
Tax Bill	$5,937 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`244-0282-004-0000`

Property Details

APN / Parcel Number

Primary APN	`244-0282-004-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,424 sqft Living Area
1st Floor Area	1,424 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	15,246 sqft (0.35 acres)
Garage Area	471 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3915 CENTRAL AVE
City	FAIR OAKS
State	CA
Zip	95628-7510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5 (NPA)
Legal Description	E 150 FT LOT 2 BLK 52 FAIR OAKS CITY
Legal Subdivision	FAIR OAKS CITY
Legal Block	52
Legal Lot Number	2
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	4
Census Block	4033
Census Tract	8009

Owner

3915 Central Ave is owner-occupied and held in a trust since August 2017.

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

Owner of Record	2 Trust Names on File
Mailing Address	3915 CENTRAL AVE, FAIR OAKS, CA 95628-7510
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Feb 26, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage GOLDEN EMPIRE MORTGAGE INC
Aug 14, 2019	Quit Claim Deed, Mortgage · Conventional Mortgage GOLDEN EMPIRE MTG
Aug 25, 2017	Grant Deed, Transfer · Conventional Mortgage SUMMIT FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2017 · Amount on File
Deed Sale	Aug 25, 2017 · Amount on File
Prior Sale	Aug 20, 2009 · Amount on File
Deed Book / Page	20170825 / 862
Prior Transfer Date	Jan 6, 2009
Prior Transfer Doc	0000001051
Record Updated	Oct 29, 2026

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Feb 26, 2021
Property Address	3915 CENTRAL AVE, FAIR OAKS, CA 95628-7510
Document Number	0000001834
Map Reference	MB A PG 48
Instrument Date	Feb 22, 2021
Instrument	202102261834
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO INC

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
Address	3915 CENTRAL AVE, FAIR OAKS, CA 95628-7510

Mortgage

Document Number	0000001835
Date	Feb 26, 2021
Instrument	202102261835

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company

Agreement

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

August 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 14, 2019
Property Address	3915 CENTRAL AVE, FAIR OAKS, CA 95628-7510
Document Number	1908141217
Instrument Date	Aug 9, 2019
Instrument	1908141217
Transaction Type	Mortgage
Record Updated	Aug 27, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

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	3915 CENTRAL AVE FAIR OAKS CA 956287510, FAIR OAKS, CA 95628-7510

Mortgage

Document Number	1908141218
Date	Aug 14, 2019
Instrument	1908141218

Lender

Name	GOLDEN EMPIRE MTG
Type	Mortgage Company
Address	BAKERSFIELD, CA 93309

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 13, 2049

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 25, 2017
Property Address	3915 CENTRAL AVE, FAIR OAKS, CA 95628-7510
Document Number	1708250862
Instrument Date	Aug 15, 2017
Instrument	1708250862
Transaction Type	Transfer
Record Updated	Sep 4, 2017
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$478.00
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	3915 CENTRAL AVE FAIR OAKS CA 956287510, FAIR OAKS, CA 95628-7510

Mortgage

Document Number	1708250863
Date	Aug 25, 2017
Instrument	1708250863

Lender

Name	SUMMIT FNDG
Type	Funding / Finance Company
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 24, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3915 Central Ave was $5,937, up 0.8% from the year before.

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		$504,848 (+2%) Land $151,453 Building $353,395
2025	$5,937.00 (+0.8%)	$494,950 Land $148,484 Building $346,466
2024	$5,890.00 (+3.03%)
2023	$5,717.00 (+0.11%) Homeowner's exemption	$475,732 Land $142,719 Building $333,013
2022	$5,711.00

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

Flood

FEMA maps place 3915 Central Ave 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 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

Wildfire risk around 3915 Central Ave is low, with a 0.02% annual chance of 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.

Nearby Properties on Central Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures