431 Senator Ave, Sacramento, CA 95833 Property Records

Sacramento County property record for 431 Senator Ave, Sacramento, CA 95833

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,516 sqft · built 2005
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$462,000 (May 2021)
Tax Bill	$6,377 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2021 Sale & Mortgage + 4 more
Flood Zone	Zone A99 (high risk)
APN	`262-0061-011-0000`

Property Details

APN / Parcel Number

Primary APN	`262-0061-011-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,516 sqft Living Area
1st Floor Area	2,516 sqft
Bonus Room	Bonus Room
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Area	466 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	431 SENATOR AVE
City	SACRAMENTO
State	CA
Zip	95833-1316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	GARDENA PARK 02 AMD, LOT 7
Legal Subdivision	GARDENA PARK 02 AMD
Legal Lot Number	7
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1034
Census Tract	7001

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	431 SENATOR AVE, SACRAMENTO, CA 95833-1316
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 10, 2021	Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Mar 10, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 4, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Sep 9, 2019	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Sep 9, 2019	Grant Deed, Transfer · VA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2021 · Amount on Record
Deed Sale	May 10, 2021 · Amount on Record
Prior Sale	Sep 9, 2019
Deed Book / Page	20210510 / 1366
Prior Transfer Date	Dec 3, 2007
Prior Transfer Doc	0000001235
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	431 SENATOR AVE, SACRAMENTO, CA 95833-1316
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 SENATOR AVE, SACRAMENTO, CA 95833-1316

Mortgage

Document Number	0000001387
Date	Mar 10, 2021
Instrument	202103101387

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Aug 1, 2050

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 10, 2021
Property Address	431 SENATOR AVE, SACRAMENTO, CA 95833-1316
Document Number	0000001366
Map Reference	MB 24 MAP 22
Instrument Date	May 5, 2021
Instrument	202105101366
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN 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	431 SENATOR AVE, SACRAMENTO, CA 95833-1316

Mortgage

Document Number	0000001367
Date	May 10, 2021
Instrument	202105101367

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	431 SENATOR AVE, SACRAMENTO, CA 95833-1316
Transaction Type	Mortgage
Record Updated	Mar 19, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 SENATOR AVE, SACRAMENTO, CA 95833-1316

Mortgage

Document Number	3100000001387
Date	Mar 10, 2021
Book Page	20210310/1387

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Aug 1, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	431 SENATOR AVE, SACRAMENTO, CA 95833-1316
Document Number	2006090956
Instrument Date	Jun 4, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	431 SENATOR AVE SACRAMENTO CA 958331316, SACRAMENTO, CA 95833-1316

Mortgage

Document Number	2006090956
Date	Jun 9, 2020
Instrument	2006090956

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 8, 2050

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 9, 2019
Property Address	431 SENATOR AVE, SACRAMENTO, CA 95833-1316
Document Number	1909091204
Instrument Date	Sep 6, 2019
Instrument	1909091204
Transaction Type	Transfer
Record Updated	Sep 18, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	431 SENATOR AVE SACRAMENTO CA 958331316, SACRAMENTO, CA 95833-1316

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 9, 2019
Property Address	431 SENATOR AVE, SACRAMENTO, CA 95833-1316
Document Number	1909091203
Instrument Date	Sep 5, 2019
Instrument	1909091203
Transaction Type	Transfer
Record Updated	Sep 18, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$412.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	431 SENATOR AVE SACRAMENTO CA 958331316, SACRAMENTO, CA 95833-1316

Mortgage

Document Number	1909091205
Date	Sep 9, 2019
Instrument	1909091205

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 8, 2049

Tax Assessment & Valuation

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	Twin Rivers Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$510,082 (+2%) Land $169,856 Building $340,226
2025	$6,377.00 (+3.91%)	$500,081 (+4.04%) Land $166,526 Building $333,555
2024	$6,137.00 (-0.52%)
2023	$6,169.00 (+5.62%)	$480,663 Land $160,060 Building $320,603
2022	$5,841.00

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 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 Record median of 276 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	276 in force
Nearby Flood Claims	12 (1992–2023)
Claims Outside the SFHA	3 of 12
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 3 claims Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 3 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

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

Wildfire Risk	Not rated no burnable land within 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	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 587 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Fidium Fiber Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
Succeed.Net Fixed Wireless	100 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: unWired Broadband.

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