Placer County property record for 4315 Cognac Ct, Loomis, CA 95650
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 4,902 sqft · built 1995 |
| Lot Size | 0.965 acres (42,047 sqft) |
| Owner | Company Name on Record |
| Last Sale | $1,925,000 (Aug 2022) |
| Tax Bill | $20,803 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Oct 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 036-260-088-000 |
| Primary APN | 036-260-088-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 4,902 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Contemporary |
| Construction Type | Frame |
| Lot Area | 42,047 sqft (0.965 acres) |
| Garage Area | 1,452 sqft |
| Parking Spaces | 5 Parking Spaces |
| Pool Type | In-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 036-260-088 |
|---|---|
| Street Address | 4315 COGNAC CT |
| City | LOOMIS |
| State | CA |
| Zip | 95650-7723 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RABX |
| Legal Description | LOTS 55 & 56 CLOS DU LAC MOR S-65 |
| Legal Subdivision | CLOS DU LAC |
| Legal Lot Number | 55,56 |
| Jurisdiction | PLACER CA |
| Township / Civil Division | ROCKLIN |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 20601 |
Source: Placer County records, as of July 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 4315 COGNAC CT, LOOMIS, CA 95650-7723 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Aug 5, 2022 | Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Oct 30, 2018 | Deed of Trust, Mortgage · Commercial Mortgage US BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 5, 2022 · Amount on Record |
| Deed Sale | Aug 5, 2022 · Amount on Record |
| Prior Sale | Nov 16, 1998 · Amount on Record |
| Deed Document Number | 202262585 |
| Prior Transfer Date | Dec 29, 1997 |
| Prior Transfer Doc | 0000083915 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | PLACER CA |
| Recording Date | Aug 5, 2022 |
| Property Address | 4315 COGNAC CT, LOOMIS, CA 95650-7723 |
| Document Number | 0000062585 |
| Map Reference | MB S PG 65 |
| Instrument Date | Aug 2, 2022 |
| Instrument | 2022-0062585 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 4315 COGNAC CT, LOOMIS, CA 95650-7723 |
| Document Number | 0000062586 |
|---|---|
| Date | Aug 5, 2022 |
| Instrument | 2022-0062586 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Sep 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.5% |
| Index | Other |
| Max Rate | 9.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PLACER CA |
| Property Address | 4315 COGNAC CT, LOOMIS, CA 95650-7723 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SOLIDIFI TITLE & CLOSING LLC |
| Name | Verified Name |
|---|
| Document Number | 0000078818 |
|---|---|
| Date | Oct 30, 2018 |
| Instrument | 2018-0078818 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Placer County assessment roll, as of July 13, 2026
| Type | Name |
|---|---|
| State | California |
| County | Placer County |
| Elementary School District | Loomis Union Elementary School District (KG - 08) |
| Secondary School District | Placer Union High School District (09 - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,977,000 (+4.99%) Land $410,800 Building $1,566,200 | |
| 2025 | $20,803.00 (+2.95%) Homeowner's exemption | $1,883,000 (+6.32%) Land $391,300 Building $1,491,700 |
| 2023 | $20,206.00 (+31.66%) Homeowner's exemption | $1,771,000 Land $368,000 Building $1,403,000 |
| 2022 | $15,347.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective May 17, 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 15 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 11 (1986–2026) |
| Claims Outside the SFHA | 10 of 11 |
| Most Recent Claim | Apr 2026 · other causes |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 66% of the US · above 40% of California |
|---|---|
| Wildfire Likelihood | 0.2% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PLACER CWA - FOOTHILL serves 93,417 people · EPA ID CA3110025 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 125 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Astound Broadband Cable · Fiber in parts of the area | 1,500 / 50 |
| Zeta Broadband Fixed Wireless | 400 / 50 |
| Cal.net Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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