445 Wyndgate Rd, Sacramento, CA 95864 Property Records

Sacramento County property record for 445 Wyndgate Rd, Sacramento, CA 95864

Property Summary

Property Type	Planned Unit Development
Details	3 bd · 2 ba · 2,014 sqft · built 1980
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on Record
Last Sale	$640,000 (Sep 2007)
Tax Bill	$2,926 (2025)
Deeds & Mortgages	Mar 2022 Reverse Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`292-0550-015-0000`

Property Details

APN / Parcel Number

Primary APN	`292-0550-015-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,014 sqft Living Area
1st Floor Area	2,014 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	H-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Wood Shingle
Lot Area	3,920 sqft (0.09 acres)
Garage Area	451 sqft
Parking Spaces	2 Parking Spaces
Pool Area	10,000 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	445 WYNDGATE RD
City	SACRAMENTO
State	CA
Zip	95864-5935
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Local Zoning Code	RD-5
Legal Description	WILHAGGIN OAKS REVISED, LOT 61
Legal Subdivision	WILHAGGIN OAKS REVISED
Legal Lot Number	61
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	4
Census Block	4003
Census Tract	5404

Owner

Source: Sacramento County records, as of July 22, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	445 WYNDGATE RD, SACRAMENTO, CA 95864-5935
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2022	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA MORTGAGE LLC
Sep 2, 2020	Deed of Trust, Mortgage · FHA Mortgage FINANCE OF AMERICA MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2007 · Amount on Record
Deed Sale	Sep 25, 2007 · Amount on Record
Deed Book / Page	20070925 / 204
Last Transfer Date	Aug 20, 2010
Transfer Doc	0000000589
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	445 WYNDGATE RD, SACRAMENTO, CA 95864-5935
Transaction Type	Mortgage
Record Updated	Apr 7, 2022
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 WYNDGATE RD, SACRAMENTO, CA 95864-5935

Mortgage

Document Number	0000000521
Date	Mar 21, 2022
Instrument	2022032100521

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	DANVILLE, CA 94526

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	794 Months
Due	May 6, 2088

Interest

Rate Type	Adjustable Rate
Rate	3.65%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	8.65%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	445 WYNDGATE RD, SACRAMENTO, CA 95864-5935
Document Number	2009151637
Instrument Date	Sep 2, 2020
Transaction Type	Mortgage
Record Updated	Oct 7, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 WYNDGATE RD SACRAMENTO CA 958645935, SACRAMENTO, CA 95864-5935

Mortgage

Document Number	2009151637
Date	Sep 15, 2020
Instrument	2009151637

Lender

Name	FINANCE OF AMERICA MTG
Address	300 WELSH ROAD 5 # A, HORSHAM, PA 19044

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	816 Months
Due	Sep 14, 2088

Interest

Rate Type	Fixed 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		$228,826 (+2%) Land $42,138 Building $186,688
2025	$2,926.00 (+0.93%)	$224,340 (+4.04%) Land $41,312 Building $183,028
2024	$2,899.00 (+2.44%)
2023	$2,830.00 (+0.57%)	$215,630 Land $39,708 Building $175,922
2022	$2,814.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 78 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	78 in force
Nearby Flood Claims	4 (1995–2017)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Mar 2017 · rainfall accumulation

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 95% of the US · lower than 97% of California
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	SACRAMENTO SUBURBAN WATER DISTRICT serves 194,444 people · EPA ID CA3410001
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2024
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. 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 278 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Fidium Fiber, GeoLinks, Succeed.Net.

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