4020 Central Ave, Fair Oaks, CA 95628 Property Records

Sacramento County property record for 4020 Central Ave, Fair Oaks, CA 95628

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,745 sqft · built 1999
Lot Size	0.54 acres (23,522 sqft)
Owner	2 Company Names on Record
Last Sale	$440,000 (Jun 2003)
Tax Bill	$7,653 (2025)
Deeds & Mortgages	Apr 2026 Sale Feb 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`244-0250-024-0000`

Property Details

APN / Parcel Number

Primary APN	`244-0250-024-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,745 sqft Living Area
1st Floor Area	920 sqft
2nd Floor Area	825 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	23,522 sqft (0.54 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4020 CENTRAL AVE
City	FAIR OAKS
State	CA
Zip	95628-7513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5 (NPA)
Legal Description	S 127.90 FT OF LOTS 13 AND 14 BLK 46 FAIR OAKS CITY EXCS 29 FT OF E 90 FT OF N 127.9 FT OF LOT 13.
Legal Subdivision	FAIR OAKS CITY
Legal Block	46
Legal Lot Number	13,14
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	4
Census Block	4011
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	4020 CENTRAL AVE, FAIR OAKS, CA 95628-7513
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Feb 26, 2026	Deed of Trust, Mortgage · Line of Credit SCHOOLSFIRST FCU
Sep 28, 2023	Deed of Trust, Mortgage · Line of Credit SCHOOLSFIRST FCU
Dec 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2003 · Amount on Record
Deed Sale	Jun 23, 2003 · Amount on Record
Prior Sale	May 1, 2000 · Amount on Record
Deed Book / Page	20030623 / 2986
Last Transfer Date	Jul 28, 2014
Transfer Doc	0000000001
Record Updated	Oct 29, 2026

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 8, 2026
Property Address	4020 CENTRAL AVE, FAIR OAKS, CA 95628-7513
Document Number	2026000137
Book / Page	20260408 / 137
Instrument Date	Mar 25, 2026
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4020 CENTRAL AVE, FAIR OAKS, CA 95628-7513

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4020 CENTRAL AVE, FAIR OAKS, CA 95628-7513
Transaction Type	Mortgage
Record Updated	Mar 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4020 CENTRAL AVE, FAIR OAKS, CA 95628-7513

Mortgage

Document Number	0000000079
Date	Feb 26, 2026
Instrument	202602260079

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4020 CENTRAL AVE, FAIR OAKS, CA 95628-7513
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4020 CENTRAL AVE, FAIR OAKS, CA 95628-7513

Mortgage

Document Number	0000000783
Date	Sep 28, 2023
Instrument	202309280783

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4020 CENTRAL AVE, FAIR OAKS, CA 95628-7513
Transaction Type	Mortgage
Record Updated	Dec 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4020 CENTRAL AVE, FAIR OAKS, CA 95628-7513

Mortgage

Document Number	0000000673
Date	Dec 3, 2021
Instrument	2021120300673

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

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		$649,990 (+2%) Land $161,015 Building $488,975
2025	$7,653.00 (+0.79%) Homeowner's exemption	$637,246 (+4.04%) Land $157,858 Building $479,388
2024	$7,593.00 (+3.01%)
2023	$7,371.00 (+0.39%) Homeowner's exemption	$612,503 Land $151,729 Building $460,774
2022	$7,342.00

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
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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