4069 Ridge St, Fair Oaks, CA 95628 Property Records

Sacramento County property record for 4069 Ridge St, Fair Oaks, CA 95628

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,305 sqft · built 2020
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$1,080,000 (Mar 2021)
Tax Bill	$14,136 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Feb 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`244-0232-006-0000`

Property Details

APN / Parcel Number

Primary APN	`244-0232-006-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,305 sqft Living Area
1st Floor Area	1,727 sqft
2nd Floor Area	1,578 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Garage Area	875 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Solar

Location & Zoning

Street Address	4069 RIDGE ST
City	FAIR OAKS
State	CA
Zip	95628-7134
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5 (NPA)
Legal Description	POR LOTS 3 & 7 BLK 29 FAIR OAKS CITY, DESC AS BEG AT NE COR LOT 7, TH FR SD POB S 06%48'15E 37.82 FT, TH S 85%49'W 144.56 FT, TH N 28%43'30E 100.5 FT, TH S 66%21'E 99.8 FT TO POB CONTG 7,710+- N
Legal Subdivision	FAIR OAKS CITY
Legal Block	29
Legal Lot Number	3,7
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	4
Census Block	4025
Census Tract	8009

Owner

4069 Ridge St is owned and occupied by two individuals who bought it in March 2021.

Source: Sacramento County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4069 RIDGE ST, FAIR OAKS, CA 95628-7134
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 28, 2025	Deed of Trust, Mortgage · Line of Credit ROCKET MORTGAGE LLC
Mar 24, 2021	Grant Deed, Transfer · Conventional Mortgage HOMETOWN LENDERS INC
Jul 30, 2020	Quit Claim Deed, Transfer HOMEBRIDGE FIN'L SVCS INC
Mar 26, 2019	Deed of Trust, Mortgage · Line of Credit CITIBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2021 · Amount on File
Deed Sale	Mar 24, 2021 · Amount on File
Deed Document Number	2021
Deed Book / Page	20210324 / 1546
Prior Transfer Date	Jul 22, 2020
Prior Transfer Doc	7300000001233
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4069 RIDGE ST, FAIR OAKS, CA 95628-7134
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4069 RIDGE ST, FAIR OAKS, CA 95628-7134

Mortgage

Document Number	0000000182
Date	Jul 22, 2022
Instrument	2022072200182

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.85%
Type Change Date	Aug 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.85%
Index	Other
Margin	3
Max Rate	8.85%

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4069 RIDGE ST, FAIR OAKS, CA 95628-7134
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4069 RIDGE ST, FAIR OAKS, CA 95628-7134

Mortgage

Document Number	0000001057
Date	Feb 28, 2025
Instrument	202502281057

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	SANTA ANA, CA 92707

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 23, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 24, 2021
Property Address	4069 RIDGE ST, FAIR OAKS, CA 95628-7134
Document Number	0000001546
Map Reference	MB A PG 48
Instrument Date	Mar 18, 2021
Instrument	202103241546
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4069 RIDGE ST, FAIR OAKS, CA 95628-7134

Mortgage

Document Number	0000001547
Date	Mar 24, 2021
Instrument	202103241547

Lender

Name	HOMETOWN LENDERS INC
Type	Mortgage Company

Agreement

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

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 30, 2020
Property Address	4069 RIDGE ST, FAIR OAKS, CA 95628-7134
Document Number	2007301233
Instrument Date	Jul 22, 2020
Instrument	2007301233
Transaction Type	Transfer
Record Updated	Aug 12, 2020
Title Company	NORTH AMERICAN 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
Address	4069 RIDGE ST FAIR OAKS CA 956287134, FAIR OAKS, CA 95628-7134

Mortgage

Document Number	2007301234
Date	Jul 30, 2020
Instrument	2007301234

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 29, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4069 RIDGE ST, FAIR OAKS, CA 95628-7134
Document Number	1904030999
Instrument Date	Mar 26, 2019
Transaction Type	Mortgage
Record Updated	Apr 18, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4069 RIDGE ST FAIR OAKS CA 956287134, FAIR OAKS, CA 95628-7134

Mortgage

Document Number	1904030999
Date	Apr 3, 2019
Instrument	1904030999

Lender

Name	CITIBANK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 2, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4069 Ridge St was $14,136, 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		$1,192,403 (+2%) Land $357,720 Building $834,683
2025	$14,136.00 (+0.76%)	$1,169,023 Land $350,706 Building $818,317
2024	$14,030.00 (+3%)
2023	$13,621.00 (+0.36%)	$1,123,631 Land $337,089 Building $786,542
2022	$13,572.00

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

Flood

FEMA maps place 4069 Ridge 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 4069 Ridge 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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