441 Larch Ln, Sacramento, CA 95864 Property Records

Sacramento County property record for 441 Larch Ln, Sacramento, CA 95864

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,958 sqft · built 1991
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$880,000 (Oct 2020)
Tax Bill	$11,316 (2025)
Deeds & Mortgages	Jan 2017 Line of Credit Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`293-0181-007-0000`

Property Details

APN / Parcel Number

Primary APN	`293-0181-007-0000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,958 sqft Living Area
1st Floor Area	2,110 sqft
2nd Floor Area	848 sqft
Bonus Room	Bonus Room
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	H-Shape
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	441 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 64
Legal Subdivision	SIERRA OAKS 02
Legal Lot Number	64
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	5
Census Block	5003
Census Tract	5404

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	441 LARCH LN, SACRAMENTO, CA 95864-5723
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2017	Deed of Trust, Mortgage · Line of Credit HOMESTREET BANK
Oct 19, 2020	Grant Deed, Transfer FLAGSTAR BK
Jul 3, 2018	Deed of Trust, Mortgage · Line of Credit COMPASS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2020 · Amount on Record
Deed Sale	Oct 19, 2020 · Amount on Record
Prior Sale	Jul 31, 2014 · Amount on Record
Deed Book / Page	20201019 / 1696
Prior Transfer Date	Mar 15, 2013
Prior Transfer Doc	0000001405
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	441 LARCH LN, SACRAMENTO, CA 95864-5723
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000671
Date	Jan 20, 2017
Book Page	20170120/0671

Lender

Name	HOMESTREET BANK
Type	Bank
Address	SEATTLE, WA 98101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 19, 2020
Property Address	441 LARCH LN, SACRAMENTO, CA 95864-5723
Document Number	2010191696
Instrument Date	Oct 14, 2020
Instrument	2010191696
Transaction Type	Transfer
Record Updated	Oct 30, 2020
Title Company	STEWART TITLE, STEWART TITLE/SACRAMENTO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$968.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	441 LARCH LN SACRAMENTO CA 958645723, SACRAMENTO, CA 95864-5723

Mortgage

Document Number	2010191697
Date	Oct 19, 2020
Instrument	2010191697

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 18, 2050

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	441 LARCH LN, SACRAMENTO, CA 95864-5723
Document Number	1808011306
Instrument Date	Jul 3, 2018
Transaction Type	Mortgage
Record Updated	Aug 13, 2018
Title Company	LIEN SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	441 LARCH LN SACRAMENTO CA 958645723, SACRAMENTO, CA 95864-5723

Mortgage

Document Number	1808011306
Date	Aug 1, 2018
Instrument	1808011306

Lender

Name	COMPASS BK
Type	Bank
Address	LIVERMORE, CA 94550

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 31, 2043

Interest

Rate Type	Adjustable Rate

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		$971,588 (+2%) Land $291,476 Building $680,112
2025	$11,316.00 (+0.97%) Homeowner's exemption	$952,538 (+4.04%) Land $285,761 Building $666,777
2024	$11,207.00 (+2.61%)
2023	$10,922.00 (+0.55%) Homeowner's exemption	$915,551 Land $274,665 Building $640,886
2022	$10,862.00

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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