4115 Ocean Ln, Elk Grove, CA 95757 Property Records

Sacramento County property record for 4115 Ocean Ln, Elk Grove, CA 95757

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,107 sqft · built 2018
Lot Size	0.078 acres (3,401 sqft)
Owner	2 Individual Names on File
Last Sale	$595,000 (Feb 2024)
Tax Bill	$9,381 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2024 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`132-1870-077-0000`

Property Details

APN / Parcel Number

Primary APN	`132-1870-077-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,107 sqft Living Area
1st Floor Area	933 sqft
2nd Floor Area	1,174 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	3,401 sqft (0.078 acres)
Garage Area	414 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4115 OCEAN LN
City	ELK GROVE
State	CA
Zip	95757-2553
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-18
Legal Description	MONTEREY VILLAGE, LOT 235
Legal Subdivision	MONTEREY VILLAGE
Legal Lot Number	235
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1025
Census Tract	9649

Owner

4115 Ocean Ln is owned by two individuals who bought it in February 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	43166 VIA MORAGA, FREMONT, CA 94539-5748
Owner Type	Individual
Vesting	Tenants in Common

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
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 13, 2024	Grant Deed, Transfer PLACER TITLE COMPANY
Dec 21, 2018	Grant Deed, Subdivision Related Transfer · Conventional Mortgage LAND HM FIN'L SVCS INC
Oct 24, 2017	Grant Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2024 · Amount on File
Deed Sale	Feb 13, 2024 · Amount on File
Prior Sale	Dec 21, 2018 · Amount on File
Deed Book / Page	20240213 / 1122
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4115 OCEAN LN, ELK GROVE, CA 95757-2553
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4115 OCEAN LN, ELK GROVE, CA 95757-2553

Mortgage

Document Number	0000001004
Date	Feb 22, 2021
Instrument	202102221004

Lender

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

Agreement

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

February 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Feb 13, 2024
Property Address	4115 OCEAN LN, ELK GROVE, CA 95757-2553
Document Number	0000001122
Map Reference	MB 352 PG 10
Instrument Date	Feb 6, 2024
Instrument	202402131122
Transaction Type	Transfer
Record Updated	Feb 23, 2024
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount 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	Tenants in Common
Address	43166 VIA MORAGA, FREMONT, CA 94539-5748

December 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 21, 2018
Property Address	4115 OCEAN LN, ELK GROVE, CA 95757-2553
Document Number	1812210639
Instrument Date	Nov 6, 2018
Instrument	1812210639
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 7, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$458.70
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1590 CHANDLER ST OAKLAND CA 946033883, OAKLAND, CA 94603-3883

Mortgage

Document Number	1812210640
Date	Dec 21, 2018
Instrument	1812210640

Lender

Name	LAND HM FIN'L SVCS INC
Address	CONCORD, CA 94520

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 20, 2048

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 24, 2017
Property Address	4115 OCEAN LN, ELK GROVE, CA 95757-2553
Document Number	1710241554
Instrument Date	Oct 23, 2017
Instrument	1710241554
Transaction Type	Transfer
Record Updated	Nov 3, 2017
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$4,430.00
Amount Accuracy	Full Value
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3005 DOUGLAS BLVD #250 ROSEVILLE CA 956614267, 250, ROSEVILLE, CA 95661-4267

Tax Assessment & Valuation

The 2025 property tax bill for 4115 Ocean Ln was $9,381, up 21% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$619,038 (+2%) Land $182,070 Building $436,968
2025	$9,381.00 (+21%)	$606,900 Land $178,500 Building $428,400
2024	$7,753.00 (+2.59%)
2023	$7,557.00 (+2.18%) Homeowner's exemption	$446,670 Land $134,023 Building $312,647
2022	$7,396.00

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

Flood

FEMA maps place 4115 Ocean Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

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
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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 4115 Ocean Ln is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 75% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SCWA - LAGUNA/VINEYARD serves 188,417 people · EPA ID CA3410029
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	1 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 929 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Fidium Fiber Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
DigitalPath Fixed Wireless	200 / 20

May also be available: GeoLinks, Verizon.

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