4228 Ocean Ln, Elk Grove, CA 95757 Property Records

Sacramento County property record for 4228 Ocean Ln, Elk Grove, CA 95757

Property Summary

Property Type	Condominium
Details	4 bd · 2.5 ba · 1,923 sqft · built 2019
Lot Size	2.29 acres (1 sqft)
Owner	Individual Name on Record
Last Sale	$425,500 (Dec 2019)
Tax Bill	$7,409 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`132-1880-014-0006`

Property Details

APN / Parcel Number

Primary APN	`132-1880-014-0006`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,923 sqft Living Area
1st Floor Area	725 sqft
2nd Floor Area	1,198 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	1 sqft
Garage Area	494 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	4228 OCEAN LN
City	ELK GROVE
State	CA
Zip	95757-2554
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RD-18
Legal Description	UNIT 71, LOT 10, LATITUDE PHASE 5, PER 20180122/0334
Legal Subdivision	MARINA COURT SUBDIVISION
Legal Lot Number	10
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1013
Census Tract	9649

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	4228 OCEAN LN, ELK GROVE, CA 95757-2554
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT MORTGAGE BANKERS INC
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT MORTGAGE BANKERS INC
Dec 19, 2019	Grant Deed, Subdivision Related Transfer · Conventional Mortgage US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2019 · Amount on Record
Deed Sale	Dec 19, 2019 · Amount on Record
Deed Book / Page	20191219 / 1055
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4228 OCEAN LN, ELK GROVE, CA 95757-2554
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4228 OCEAN LN, ELK GROVE, CA 95757-2554

Mortgage

Document Number	0000000792
Date	Sep 21, 2021
Instrument	2021092100792

Lender

Name	SUMMIT MORTGAGE BANKERS INC
Type	Mortgage Company
Address	FLUSHING, NY 11354

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4228 OCEAN LN, ELK GROVE, CA 95757-2554
Transaction Type	Mortgage
Record Updated	Sep 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4228 OCEAN LN, ELK GROVE, CA 95757-2554

Mortgage

Document Number	2021092100792
Date	Sep 21, 2021
Instrument	2021092100792

Lender

Name	SUMMIT MORTGAGE BANKERS INC
Type	Mortgage Company
Address	FLUSHING, NY 11354

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

December 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 19, 2019
Property Address	4228 OCEAN LN, ELK GROVE, CA 95757-2554
Document Number	1912191055
Instrument Date	Dec 5, 2019
Instrument	1912191055
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 6, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$468.05
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4228 OCEAN LN ELK GROVE CA 957572554, ELK GROVE, CA 95757-2554

Mortgage

Document Number	1912191056
Date	Dec 19, 2019
Instrument	1912191056

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 18, 2049

Tax Assessment & Valuation

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		$474,184 (+2%) Land $145,014 Building $329,170
2025	$7,409.00 (+1.01%) Homeowner's exemption	$464,887 (+4.04%) Land $142,171 Building $322,716
2024	$7,335.00 (+0.78%)
2023	$7,278.00 (+1.72%) Homeowner's exemption	$446,837 Land $136,651 Building $310,186
2022	$7,155.00

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

Flood

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

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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