4045 Bridge St, Fair Oaks, CA 95628 Property Records

Sacramento County property record for 4045 Bridge St, Fair Oaks, CA 95628

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,434 sqft · built 1990
Lot Size	0.178 acres (7,768 sqft)
Owner	2 Company Names on File
Last Sale	$598,000 (Sep 2017)
Tax Bill	$8,253 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Nov 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`244-0233-010-0000`

Property Details

APN / Parcel Number

Primary APN	`244-0233-010-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,434 sqft Living Area
1st Floor Area	1,372 sqft
2nd Floor Area	1,062 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,768 sqft (0.178 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4045 BRIDGE ST
City	FAIR OAKS
State	CA
Zip	95628-7503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPA
Legal Description	RIVAS SUBDIVISION, LOT 3
Legal Subdivision	RIVAS SUBDIVISION
Legal Lot Number	3
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	4
Census Block	4027
Census Tract	8009

Owner

4045 Bridge St is owned by a company that bought it in September 2017.

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

Owner of Record	2 Company Names on File
Mailing Address	4045 BRIDGE ST, FAIR OAKS, CA 95628-7503
Owner Type	Company
Vesting	Life Tenant

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
Mar 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Nov 17, 2023	Intrafamily Transfer, Transfer
Apr 3, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Sep 15, 2017	Grant Deed, Transfer · Conventional Mortgage GUILD MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2017 · Amount on File
Deed Sale	Sep 15, 2017 · Amount on File
Prior Sale	Oct 20, 2004 · Amount on File
Deed Book / Page	20170915 / 1322
Prior Transfer Date	Jan 8, 2013
Prior Transfer Doc	0000000029
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4045 BRIDGE ST, FAIR OAKS, CA 95628-7503
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4045 BRIDGE ST, FAIR OAKS, CA 95628-7503

Mortgage

Document Number	0000000386
Date	Mar 17, 2022
Instrument	2022031700386

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	231 Months
Due	Jun 1, 2041

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 17, 2023
Property Address	4045 BRIDGE ST, FAIR OAKS, CA 95628-7503
Document Number	0000001144
Map Reference	MB 144 MAP 16
Instrument Date	Nov 8, 2023
Instrument	202311171144
Transaction Type	Transfer
Record Updated	Dec 5, 2023

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	4045 BRIDGE ST, FAIR OAKS, CA 95628-7503

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4045 BRIDGE ST, FAIR OAKS, CA 95628-7503
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000839
Date	Apr 3, 2017
Book Page	20170403/0839

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 23, 2047

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 15, 2017
Property Address	4045 BRIDGE ST, FAIR OAKS, CA 95628-7503
Document Number	1709151322
Instrument Date	Sep 13, 2017
Instrument	1709151322
Transaction Type	Transfer
Record Updated	Sep 26, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$657.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4045 BRIDGE ST FAIR OAKS CA 956287503, FAIR OAKS, CA 95628-7503

Mortgage

Document Number	1709151323
Date	Sep 15, 2017
Instrument	1709151323

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 14, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4045 Bridge St was $8,253, 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		$694,024 (+2%) Land $232,114 Building $461,910
2025	$8,253.00 (+0.76%)	$680,416 Land $227,563 Building $452,853
2024	$8,191.00 (+3.01%)
2023	$7,952.00 (+0.37%)	$653,996 Land $218,727 Building $435,269
2022	$7,923.00

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

Flood

FEMA maps place 4045 Bridge St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.

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

Wildfire risk around 4045 Bridge St 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 80% of the US · lower than 88% 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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