431 Larch Ln, Sacramento, CA 95864 Property Records

Sacramento County property record for 431 Larch Ln, Sacramento, CA 95864

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,314 sqft · built 1975
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Company Names on Record
Last Sale	$1,015,000 (Jul 2025)
Tax Bill	$8,924 (2025)
Deeds & Mortgages	Feb 2026 Mortgage May 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`293-0181-008-0000`

Property Details

APN / Parcel Number

Primary APN	`293-0181-008-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,314 sqft Living Area
1st Floor Area	1,926 sqft
Bonus Room	Bonus Room
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	H-Shape
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	431 LARCH LN
City	SACRAMENTO
State	CA
Zip	95864-5723
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-3
Legal Description	SIERRA OAKS 02, LOT 63
Legal Subdivision	SIERRA OAKS 02
Legal Lot Number	63
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	5
Census Block	5003
Census Tract	5404

Owner

Source: Sacramento County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	431 LARCH LN, SACRAMENTO, CA 95864-5723
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage SAFE CU
May 19, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Jul 8, 2025	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 8, 2021	Grant Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2025 · Amount on Record
Deed Sale	Jul 8, 2025 · Amount on Record
Prior Sale	Apr 8, 2021 · Amount on Record
Deed Book / Page	20250708 / 721
Prior Transfer Date	Oct 10, 2024
Prior Transfer Doc	2024000512
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	431 LARCH LN, SACRAMENTO, CA 95864-5723
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 LARCH LN, SACRAMENTO, CA 95864-5723

Mortgage

Document Number	0000000928
Date	Feb 3, 2026
Instrument	202602030928

Lender

Name	SAFE CU
Type	Credit Union
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Mar 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.5%
Index	SOFR Average 30-Day
Max Rate	10.5%

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 19, 2026
Property Address	431 LARCH LN, SACRAMENTO, CA 95864-5723
Document Number	2026000851
Book / Page	20260519 / 851
Instrument Date	May 14, 2026
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	431 LARCH LN, SACRAMENTO, CA 95864-5723
Investor	Possibly a Property Investor

July 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 8, 2025
Property Address	431 LARCH LN, SACRAMENTO, CA 95864-5723
Document Number	0000000721
Instrument Date	Jul 7, 2025
Instrument	202507080721
Transaction Type	Transfer
Record Updated	Jul 18, 2025
Title Company	STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
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 with Right of Survivorship
Address	431 LARCH LN, SACRAMENTO, CA 95864-5723

Mortgage

Document Number	0000000722
Date	Jul 8, 2025
Instrument	202507080722

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

Mortgage

Document Number	0000000723
Date	Jul 8, 2025
Instrument	202507080723

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 8, 2021
Property Address	431 LARCH LN, SACRAMENTO, CA 95864-5723
Document Number	0000001388
Map Reference	MB 28 MAP 1
Instrument Date	Apr 6, 2021
Instrument	202104081388
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	CORNERSTONE TITLE COMPANY

Transaction

Amount	Amount Recorded
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	8 SOUTHCREST CT, SACRAMENTO, CA 95831-4360

Mortgage

Document Number	0000001389
Date	Apr 8, 2021
Instrument	202104081389

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

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		$1,015,000 (+34.92%) Land $584,640 Building $430,360
2025	$8,924.00 (+0.98%)	$752,289 (+4.04%) Land $432,972 Building $319,317
2024	$8,837.00 (+2.62%)
2023	$8,611.00 (+0.55%) Homeowner's exemption	$723,078 Land $416,160 Building $306,918
2022	$8,564.00

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
Flood Insurance Cost	Premium on Record median of 57 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	57 in force
Nearby Flood Claims	1 (1995)
Most Recent Claim	Jan 1995 · Severe Winter Storms, Flooding, Landslides, Mud Flows

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	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% 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	SCWA - ARDEN PARK VISTA serves 10,068 people · EPA ID CA3410002
Water Source	Groundwater
Last State Inspection	Nov 2025
Also Mapped Here	SCWA - LAGUNA/VINEYARD
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 254 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: DigitalPath, GeoLinks, Succeed.Net, Verizon.

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