4145 Central Ave, Fair Oaks, CA 95628 Property Records

Sacramento County property record for 4145 Central Ave, Fair Oaks, CA 95628

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,689 sqft · built 1987
Lot Size	0.177 acres (7,710 sqft)
Owner	2 Trust Names on File
Last Sale	$610,000 (May 2021)
Tax Bill	$8,108 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`244-0214-022-0000`

Property Details

APN / Parcel Number

Primary APN	`244-0214-022-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,689 sqft Living Area
1st Floor Area	1,689 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,710 sqft (0.177 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4145 CENTRAL AVE
City	FAIR OAKS
State	CA
Zip	95628-7564
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5 (NPA)
Legal Description	POR PCL 1 OF PM 56-14 BEG AT NE COR OF SD PCL, TH FM POBN89%2923W 100 FT, TH S02%4704W 72.45 FT, TH S81%3548E13 FT, TH
Legal Lot Number	2
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	4
Census Block	4011
Census Tract	8009

Owner

4145 Central Ave is owner-occupied and held in a trust since July 2024.

Source: Sacramento County records, as of October 21, 2026

Owner of Record	2 Trust Names on File
Mailing Address	4145 CENTRAL AVE, FAIR OAKS, CA 95628-7564
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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 8, 2026	Deed of Trust, Mortgage · Line of Credit GOLDEN 1 CREDIT UNION
May 10, 2021	Grant Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2021 · Amount on File
Deed Sale	May 10, 2021 · Amount on File
Prior Sale	Mar 20, 2009 · Amount on File
Deed Book / Page	20210510 / 985
Last Transfer Date	Jul 19, 2024
Transfer Doc	2024001053
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 8, 2026
Property Address	4145 CENTRAL AVE, FAIR OAKS, CA 95628-7564
Document Number	2026001132
Book / Page	20260408 / 1132
Instrument Date	Apr 2, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165
Address	4145 CENTRAL AVE, FAIR OAKS, CA 95628-7564

Mortgage

Document Number	2026001132,
Date	Apr 8, 2026
Book Page	20260408/1132

Lender

Name	GOLDEN 1 CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 10, 2021
Property Address	4145 CENTRAL AVE, FAIR OAKS, CA 95628-7564
Document Number	0000000985
Map Reference	MB 56 PG 14
Instrument Date	May 3, 2021
Instrument	202105100985
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	PLACER 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
Relationship	Joint Tenants
Address	4145 CENTRAL AVE, FAIR OAKS, CA 95628-7564

Mortgage

Document Number	0000000986
Date	May 10, 2021
Instrument	202105100986

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 4145 Central Ave was $8,108, up 2.1% 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	$8,108.00 (+2.05%)	$675,088 (+2%) Land $198,204 Building $476,884
2025	$7,945.00 (+1.03%)	$661,852 Land $194,318 Building $467,534
2024	$7,864.00 (+3.03%)
2023	$7,633.00 (+0.39%) Homeowner's exemption	$634,644 Land $208,080 Building $426,564
2022	$7,603.00

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

Flood

FEMA maps place 4145 Central Ave 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 4145 Central Ave 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 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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