Sacramento County property record for 4520 Ruddy Ct, Sacramento, CA 95842
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 960 sqft · built 1977 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Last Sale | $195,000 (Apr 2014) |
| Tax Bill | $2,845 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 219-0250-062-0000 |
| Primary APN | 219-0250-062-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 10,890 sqft (0.25 acres) |
| Garage Area | 446 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 4520 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 142 |
| Legal Subdivision | HILLSDALE 27 |
| Legal Lot Number | 142 |
| Jurisdiction | SACRAMENTO CA |
| Township / Civil Division | SACRAMENTO |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 7414 |
4520 Ruddy Ct is owned and occupied by an individual who bought it in April 2014.
Source: Sacramento County records, as of July 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4520 RUDDY CT, SACRAMENTO, CA 95842-1832 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Person |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 21, 2014 · Amount on File |
| Deed Sale | Apr 21, 2014 · Amount on File |
| Prior Sale | Apr 28, 1995 · Amount on File |
| Deed Book / Page | 20140421 / 954 |
| Prior Transfer Date | Apr 17, 2014 |
| Prior Transfer Doc | 0000000953 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 4520 RUDDY CT, SACRAMENTO, CA 95842-1832 |
| Document Number | 2010210250 |
| Instrument Date | Oct 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 6, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 4520 RUDDY CT SACRAMENTO CA 958421832, SACRAMENTO, CA 95842-1832 |
| Document Number | 2010210250 |
|---|---|
| Date | Oct 21, 2020 |
| Instrument | 2010210250 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 20, 2035 |
The 2025 property tax bill for 4520 Ruddy Ct was $2,845, up 5.1% from the year before.
Source: Sacramento County assessment roll, as of July 22, 2026
| Type | Name |
|---|---|
| State | California |
| County | Sacramento County |
| Unified School District | Twin Rivers Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $243,812 (+2%) Land $61,887 Building $181,925 | |
| 2025 | $2,845.00 (+5.06%) | $239,032 Land $60,674 Building $178,358 |
| 2024 | $2,708.00 (-0.7%) | |
| 2023 | $2,727.00 (+6.23%) | $229,752 Land $58,319 Building $171,433 |
| 2022 | $2,567.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 4520 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.
The area around 4520 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.
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 |
| 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 671 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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