4025 Main St, Fair Oaks, CA 95628 Property Records

Sacramento County property record for 4025 Main St, Fair Oaks, CA 95628

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 3,906 sqft · built 2008
Lot Size	0.341 acres (14,865 sqft)
Owner	Company Name on Record
Last Sale	$485,000 (Jul 2015)
Tax Bill	$9,456 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Oct 2025 Line of Credit + 14 more
Flood Zone	Zone X (minimal risk)
APN	`244-0241-041-0000`

Property Details

APN / Parcel Number

Primary APN	`244-0241-041-0000`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,906 sqft Living Area
1st Floor Area	2,440 sqft
2nd Floor Area	986 sqft
Bonus Room	Bonus Room
Family Room	Family Room

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	14,865 sqft (0.341 acres)
Garage Area	1,026 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4025 MAIN ST
City	FAIR OAKS
State	CA
Zip	95628-7520
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5 (NPA)
Legal Description	LOT 3 BLK 44 FAIR OAKS CITY CONTG 50 AC & 10 FTSTRIP ON NE ALSO E 1/2 OF ABANDONED ALLEY CONTIGEOUS TO W LINE OF LOT 3 PER BK
Legal Subdivision	FAIR OAKS CITY
Legal Block	44
Legal Lot Number	3
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	4
Census Block	4030
Census Tract	8009

Owner

Source: Sacramento County records, as of July 22, 2026

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

Owner of Record	Company Name on Record
Mailing Address	4025 MAIN ST, FAIR OAKS, CA 95628-7520
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 23, 2025	Deed of Trust, Mortgage · Line of Credit BANNER BANK
Feb 16, 2021	Deed of Trust, Mortgage · Line of Credit BBVA USA
Jan 20, 2026	Grant Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Mar 4, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE LENDING
Mar 4, 2022	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY
Mar 4, 2022	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY
Feb 16, 2021	Deed of Trust, Mortgage · Line of Credit BBVA USA
Feb 22, 2021	Intrafamily Transfer, Transfer
Feb 2, 2021	Intrafamily Transfer, Transfer
Feb 2, 2021	Intrafamily Transfer, Transfer
Sep 24, 2020	Quit Claim Deed, Transfer OTHER
Aug 26, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 21, 2020	Quit Claim Deed, Transfer UNITED WHOLESALE MTG
Aug 5, 2020	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
Jan 8, 2018	Deed of Trust, Mortgage · Line of Credit UMPQUA BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2015 · Amount on Record
Deed Sale	Jul 24, 2015 · Amount on Record
Prior Sale	Feb 27, 2006 · Amount on Record
Deed Book / Page	20150724 / 835
Last Transfer Date	Feb 28, 2022
Transfer Doc	2022001049
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4025 MAIN ST, FAIR OAKS, CA 95628-7520
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4025 MAIN ST, FAIR OAKS, CA 95628-7520

Mortgage

Document Number	0000000771
Date	Nov 17, 2022
Instrument	2022111700771

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Nov 10, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4025 MAIN ST, FAIR OAKS, CA 95628-7520
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4025 MAIN ST, FAIR OAKS, CA 95628-7520

Mortgage

Document Number	0000000065
Date	Oct 23, 2025
Instrument	202510230065

Lender

Name	BANNER BANK
Type	Bank
Address	ROCKLIN, CA 95765

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4025 MAIN ST, FAIR OAKS, CA 95628-7520
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4025 MAIN ST, FAIR OAKS, CA 95628-7520

Mortgage

Document Number	0000001259
Date	Feb 16, 2021
Instrument	202102161259

Lender

Name	BBVA USA
Type	Bank
Address	SACRAMENTO, CA 95825

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 1, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jan 20, 2026
Property Address	4025 MAIN ST, FAIR OAKS, CA 95628-7520
Document Number	0000000049
Map Reference	MB A MAP 48
Instrument Date	Jan 14, 2026
Instrument	202601200049
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

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
Address	4025 MAIN ST, FAIR OAKS, CA 95628-7520

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 4, 2022
Property Address	4025 MAIN ST, FAIR OAKS, CA 95628-7520
Document Number	0000001050
Map Reference	MB 242 PG 3
Instrument Date	Feb 28, 2022
Instrument	2022030401050
Transaction Type	Transfer
Record Updated	Jun 7, 2023
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	Living Trust
Address	4025 MAIN ST, FAIR OAKS, CA 95628-7520

Mortgage

Document Number	0000001051
Date	Mar 4, 2022
Instrument	2022030401051

Lender

Name	UNITED WHOLESALE LENDING
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 4, 2022
Property Address	4025 MAIN ST, FAIR OAKS, CA 95628-7520
Document Number	0000001049
Map Reference	MB 242 PG 3
Instrument Date	Feb 28, 2022
Instrument	2022030401049
Transaction Type	Transfer
Record Updated	Jun 7, 2023
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	Living Trust
Address	4025 MAIN ST, FAIR OAKS, CA 95628-7520

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 4, 2022
Property Address	4025 MAIN ST, FAIR OAKS, CA 95628-7520
Document Number	0000001048
Map Reference	MB 242 PG 3
Instrument Date	Feb 28, 2022
Instrument	2022030401048
Transaction Type	Transfer
Record Updated	Jun 7, 2023
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	Living Trust
Address	4025 MAIN ST, FAIR OAKS, CA 95628-7520

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4025 MAIN ST, FAIR OAKS, CA 95628-7520
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4025 MAIN ST, FAIR OAKS, CA 95628-7520

Mortgage

Document Number	2160000001259
Date	Feb 16, 2021
Book Page	20210216/1259

Lender

Name	BBVA USA
Type	Bank
Address	SACRAMENTO, CA 95825

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 1, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Feb 22, 2021
Property Address	4025 MAIN ST, FAIR OAKS, CA 95628-7520
Document Number	0000001823
Map Reference	MB 242 PG 3
Instrument Date	Feb 16, 2021
Instrument	202102221823
Transaction Type	Transfer
Record Updated	May 15, 2026

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	Living Trust
Address	4025 MAIN ST, FAIR OAKS, CA 95628-7520

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Feb 2, 2021
Property Address	4025 MAIN ST, FAIR OAKS, CA 95628-7520
Document Number	0000000879
Map Reference	MB A PG 48
Instrument Date	Jan 15, 2021
Instrument	202102020879
Transaction Type	Transfer
Record Updated	May 15, 2026

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	Living Trust
Address	4025 MAIN ST, FAIR OAKS, CA 95628-7520

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Feb 2, 2021
Property Address	4025 MAIN ST, FAIR OAKS, CA 95628-7520
Document Number	0000000878
Map Reference	MB A PG 48
Instrument Date	Jan 15, 2021
Instrument	202102020878
Transaction Type	Transfer
Record Updated	May 15, 2026

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	4025 MAIN ST, FAIR OAKS, CA 95628-7520

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 24, 2020
Property Address	4025 MAIN ST, FAIR OAKS, CA 95628-7520
Document Number	2009240950
Instrument Date	Aug 24, 2020
Instrument	2009240950
Transaction Type	Transfer
Record Updated	Oct 16, 2020
Title Company	OTHER

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4025 MAIN ST FAIR OAKS CA 956287520, FAIR OAKS, CA 95628-7520

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 26, 2020
Property Address	4025 MAIN ST, FAIR OAKS, CA 95628-7520
Document Number	2008260161
Instrument Date	Aug 24, 2020
Instrument	2008260161
Transaction Type	Transfer
Record Updated	Sep 15, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4025 MAIN ST FAIR OAKS CA 956287520, FAIR OAKS, CA 95628-7520

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 21, 2020
Property Address	4025 MAIN ST, FAIR OAKS, CA 95628-7520
Document Number	2008210894
Instrument Date	Aug 17, 2020
Instrument	2008210894
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4025 MAIN ST FAIR OAKS CA 956287520, FAIR OAKS, CA 95628-7520

Mortgage

Document Number	2008210895
Date	Aug 21, 2020
Instrument	2008210895

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2050

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 5, 2020
Property Address	4025 MAIN ST, FAIR OAKS, CA 95628-7520
Document Number	2008051674
Instrument Date	Aug 4, 2020
Instrument	2008051674
Transaction Type	Transfer
Record Updated	Aug 21, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4025 MAIN ST FAIR OAKS CA 956287520, FAIR OAKS, CA 95628-7520

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4025 MAIN ST, FAIR OAKS, CA 95628-7520
Document Number	1801110895
Instrument Date	Jan 8, 2018
Transaction Type	Mortgage
Record Updated	Jan 22, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4025 MAIN ST FAIR OAKS CA 956287520, FAIR OAKS, CA 95628-7520

Mortgage

Document Number	1801110895
Date	Jan 11, 2018
Instrument	1801110895

Lender

Name	UMPQUA BK
Type	Bank
Address	ROSEVILLE, CA 95661

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$795,681 (+2%) Land $250,263 Building $545,418
2025	$9,456.00 (+0.77%)	$780,080 (+4.04%) Land $245,356 Building $534,724
2024	$9,384.00 (+3%)
2023	$9,111.00 (+21.87%)	$749,791 Land $235,830 Building $513,961
2022	$7,476.00

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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