4514 Ruddy Ct, Sacramento, CA 95842 Property Records

Sacramento County property record for 4514 Ruddy Ct, Sacramento, CA 95842

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,127 sqft · built 1977
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$111,000 (May 2011)
Tax Bill	$1,703 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`219-0250-064-0000`

Property Details

APN / Parcel Number

Primary APN	`219-0250-064-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,127 sqft Living Area
1st Floor Area	1,127 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Custom Design
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4514 RUDDY CT
City	SACRAMENTO
State	CA
Zip	95842-1832
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	HILLSDALE 27, LOT 144
Legal Subdivision	HILLSDALE 27
Legal Lot Number	144
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1002
Census Tract	7414

Owner

4514 Ruddy Ct is owned and occupied by an individual who bought it in May 2011.

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

Owner of Record	Individual Name on File
Mailing Address	4514 RUDDY CT, SACRAMENTO, CA 95842-1832
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Feb 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2011 · Amount on File
Deed Sale	May 18, 2011 · Amount on File
Prior Sale	Nov 21, 1997 · Amount on File
Deed Book / Page	20110518 / 727
Prior Transfer Date	Oct 2, 2001
Prior Transfer Doc	2001001098
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4514 RUDDY CT, SACRAMENTO, CA 95842-1832
Transaction Type	Mortgage
Record Updated	Oct 15, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4514 RUDDY CT, SACRAMENTO, CA 95842-1832

Mortgage

Document Number	2021100501666
Date	Oct 5, 2021
Instrument	2021100501666

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4514 RUDDY CT, SACRAMENTO, CA 95842-1832
Document Number	2006101258
Instrument Date	Jun 6, 2020
Transaction Type	Mortgage
Record Updated	Jun 19, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4514 RUDDY CT SACRAMENTO CA 958421832, SACRAMENTO, CA 95842-1832

Mortgage

Document Number	2006101258
Date	Jun 10, 2020
Instrument	2006101258

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 9, 2050

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4514 RUDDY CT, SACRAMENTO, CA 95842-1832
Document Number	0000000096
Book / Page	170222 / 000096
Instrument Date	Feb 10, 2017
Transaction Type	Mortgage
Record Updated	Mar 6, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4514 RUDDY CT SACRAMENTO CA 958421832, SACRAMENTO, CA 95842-1832

Mortgage

Document Number	0000000096
Date	Feb 22, 2017
Book Page	170222/000096

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 21, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.99%

Tax Assessment & Valuation

The 2025 property tax bill for 4514 Ruddy Ct was $1,703, up 0.4% 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	Twin Rivers Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$145,040 (+2%) Land $50,304 Building $94,736
2025	$1,703.00 (+0.41%)	$142,197 Land $49,318 Building $92,879
2024	$1,696.00 (+3.79%)
2023	$1,634.00 (+6.24%)	$136,676 Land $47,403 Building $89,273
2022	$1,538.00

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

Flood

FEMA maps place 4514 Ruddy Ct 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	1 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

The area around 4514 Ruddy Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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	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 758 locations within half a mile, as of December 31, 2025

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

May also be available: Succeed.Net, Verizon.

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