4356 Bannister Rd, Fair Oaks, CA 95628 Property Records

Sacramento County property record for 4356 Bannister Rd, Fair Oaks, CA 95628

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,655 sqft · built 1974
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$346,500 (May 2020)
Tax Bill	$5,720 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`242-0151-001-0000`

Property Details

APN / Parcel Number

Primary APN	`242-0151-001-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,655 sqft Living Area
1st Floor Area	1,655 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4356 BANNISTER RD
City	FAIR OAKS
State	CA
Zip	95628-6919
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	LOT 1 SKYLINE PARK UNIT NO 1 EXC POR DEEDED TO COUNTY R/W IN BK 5292/514 044033
Legal Subdivision	SKYLINE PARK
Legal Lot Number	1
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	3
Census Block	3004
Census Tract	8010

Owner

4356 Bannister Rd is owned and occupied by two individuals who bought it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 2734, FAIR OAKS, CA 95628-9406
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 25, 2024	Deed of Trust, Mortgage · Line of Credit SAFE CU
Jan 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Oct 15, 2025	Deed of Trust, Mortgage · Line of Credit BMO BANK NA
May 29, 2020	Grant Deed, Transfer · Conventional Mortgage NKS LIVING TRUST (RT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2020 · Amount on File
Deed Sale	May 29, 2020 · Amount on File
Deed Book / Page	20200529 / 569
Prior Transfer Date	Dec 18, 2007
Prior Transfer Doc	0000000754
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4356 BANNISTER RD, FAIR OAKS, CA 95628-6919
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4356 BANNISTER RD, FAIR OAKS, CA 95628-6919

Mortgage

Document Number	0000000125
Date	Apr 25, 2024
Instrument	202404250125

Lender

Name	SAFE CU
Type	Credit Union
Address	FOLSOM, CA 95630

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	May 5, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4356 BANNISTER RD, FAIR OAKS, CA 95628-6919
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4356 BANNISTER RD, FAIR OAKS, CA 95628-6919

Mortgage

Document Number	0000001074
Date	Jan 5, 2022
Instrument	2022010501074

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4356 BANNISTER RD, FAIR OAKS, CA 95628-6919
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4356 BANNISTER RD, FAIR OAKS, CA 95628-6919

Mortgage

Document Number	0000000876
Date	Oct 15, 2025
Instrument	202510150876

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 10, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 29, 2020
Property Address	4356 BANNISTER RD, FAIR OAKS, CA 95628-6919
Document Number	2005290569
Instrument Date	May 29, 2020
Instrument	2005290569
Transaction Type	Transfer
Record Updated	Jun 15, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$381.00
Amount Accuracy	Full Value
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	4356 BANNISTER RD FAIR OAKS CA 956286919, FAIR OAKS, CA 95628-6919

Mortgage

Document Number	2005290570
Date	May 29, 2020
Instrument	2005290570

Lender

Name	NKS LIVING TRUST (RT)
Address	4356 BANNISTER RD, FAIR OAKS, CA 95628-6919

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 4356 Bannister Rd was $5,720 with a homeowner's exemption, up 0.8% 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		$485,245 (+2%) Land $145,014 Building $340,231
2025	$5,720.00 (+0.79%) Homeowner's exemption	$475,731 Land $142,171 Building $333,560
2024	$5,675.00 (+3.03%)
2023	$5,508.00 (+0.4%) Homeowner's exemption	$457,259 Land $136,651 Building $320,608
2022	$5,486.00

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

Flood

FEMA maps place 4356 Bannister Rd in Zone X, an area of minimal flood risk.

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	2 in force

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 4356 Bannister Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	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	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 326 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Succeed.Net.

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