41 Cognac Cir, Sacramento, CA 95835 Property Records

Sacramento County property record for 41 Cognac Cir, Sacramento, CA 95835

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,100 sqft · built 2002
Lot Size	0.129 acres (5,616 sqft)
Owner	Individual Name on File
Last Sale	$399,000 (Apr 2018)
Tax Bill	$5,899 (2025)
Deeds & Mortgages	Apr 2018 Sale & Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone A99 (high risk)
APN	`225-1570-035-0000`

Property Details

APN / Parcel Number

Primary APN	`225-1570-035-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,100 sqft Living Area
1st Floor Area	2,100 sqft
Bonus Room	Bonus Room
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	5,616 sqft (0.129 acres)
Garage Area	375 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	41 COGNAC CIR
City	SACRAMENTO
State	CA
Zip	95835-2034
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A-PUD
Legal Description	WESTBOROUGH VLG 01 PH 02, LOT 5
Legal Subdivision	WESTBOROUGH VLG 01 PH 02
Legal Lot Number	5
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1011
Census Tract	7107

Owner

41 Cognac Cir is owned by an individual who bought it in April 2018.

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

Owner of Record	Individual Name on File
Mailing Address	2940 PARELLA CT, WEST SACRAMENTO, CA 95691-5514
Owner Type	Individual

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
Apr 2, 2018	Grant Deed, Transfer · Conventional Mortgage LAND & HM FIN'L
Mar 27, 2017	Grant Deed, Transfer · Commercial Mortgage GRANITE FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 2018 · Amount on File
Deed Sale	Apr 2, 2018 · Amount on File
Prior Sale	Mar 27, 2017 · Amount on File
Deed Book / Page	20180402 / 157
Prior Transfer Date	Oct 10, 2007
Prior Transfer Doc	0000000570
Record Updated	Oct 29, 2026

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 2, 2018
Property Address	41 COGNAC CIR, SACRAMENTO, CA 95835-2034
Document Number	1804020157
Instrument Date	Mar 27, 2018
Instrument	1804020157
Transaction Type	Transfer
Record Updated	Apr 10, 2018
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$438.90
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	774 STILL BREEZE WAY SACRAMENTO CA 958315547, SACRAMENTO, CA 95831-5547

Mortgage

Document Number	1804020158
Date	Apr 2, 2018
Instrument	1804020158

Lender

Name	LAND & HM FIN'L
Type	Funding / Finance Company
Address	CONCORD, CA 94520

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.62%

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 27, 2017
Property Address	41 COGNAC CIR, SACRAMENTO, CA 95835-2034
Document Number	3270000001112
Book / Page	20170327 / 1112
Map Reference	MB 286 MAP 8
Instrument Date	Mar 22, 2017
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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
Address	41 COGNAC CIR, SACRAMENTO, CA 95835-2034

Mortgage

Document Number	201703271113
Date	Mar 27, 2017
Instrument	20170327/1113

Lender

Name	GRANITE FUNDING INC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	25 Months
Due	Apr 1, 2019

Tax Assessment & Valuation

The 2025 property tax bill for 41 Cognac Cir was $5,899, down 11.4% from the year before.

Source: Sacramento County assessment roll, as of July 22, 2026

Property Jurisdictions

Type	Name
State	California
County	Sacramento County
Municipality	Sacramento City
Unified School District	Natomas Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$463,067 (+2%) Land $104,450 Building $358,617
2025	$5,899.00 (-11.43%)	$453,988 Land $102,402 Building $351,586
2024	$6,660.00 (+3.11%)
2023	$6,459.00 (+2.2%)	$436,362 Land $98,427 Building $337,935
2022	$6,320.00

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

Flood

FEMA maps place 41 Cognac Cir in Zone A99, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 29, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A99 high risk · federal flood protection under construction
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 507 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	507 in force
Nearby Flood Claims	41 (1980–2021)
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 9 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 6 claims Severe Storms & Flooding, Feb 1986 · 7 claims

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 41 Cognac Cir is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 73% of California
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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	CITY OF SACRAMENTO MAIN state or territorial government · serves 527,979 people · EPA ID CA3410020
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2021–2023) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 787 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
unWired Broadband Fixed Wireless	400 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Cal.net, Fidium Fiber, Succeed.Net.

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