4540 12th Ave, Sacramento, CA 95820 Property Records

Sacramento County property record for 4540 12th Ave, Sacramento, CA 95820

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,273 sqft · built 1938
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Jan 2024)
Tax Bill	$4,725 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`014-0283-012-0000`

Property Details

APN / Parcel Number

Primary APN	`014-0283-012-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,273 sqft Living Area
1st Floor Area	1,273 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Architectural Style	L-Shape
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Area	204 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4540 12TH AVE
City	SACRAMENTO
State	CA
Zip	95820-1437
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	FAIRMOND, LOT 11, BLOCK:: B
Legal Subdivision	FAIRMOND
Legal Block	B
Legal Lot Number	11
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	3
Census Block	3005
Census Tract	2800

Owner

4540 12th Ave is owned and occupied by two individuals who bought it in January 2024.

Source: Sacramento County records, as of August 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4540 12TH AVE, SACRAMENTO, CA 95820-1437
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
Jan 17, 2024	Grant Deed, Transfer · FHA Mortgage PLAINS COMMERCE BANK
Jan 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK
Mar 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2024 · Amount on File
Deed Sale	Jan 17, 2024 · Amount on File
Prior Sale	Jan 30, 1998 · Amount on File
Deed Book / Page	20240117 / 50
Prior Transfer Date	Apr 21, 2003
Prior Transfer Doc	2003002992
Record Updated	Sep 20, 2026

January 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jan 17, 2024
Property Address	4540 12TH AVE, SACRAMENTO, CA 95820-1437
Document Number	0000000050
Map Reference	MB 10 MAP 8
Instrument Date	Jan 14, 2023
Instrument	202401170050
Transaction Type	Transfer
Record Updated	Jan 29, 2024
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4540 12TH AVE, SACRAMENTO, CA 95820-1437

Mortgage

Document Number	0000000051
Date	Jan 17, 2024
Instrument	202401170051

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

Mortgage

Document Number	0000000052
Date	Jan 17, 2024
Instrument	202401170052

Lender

Name	PLAINS COMMERCE BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Feb 1, 2034

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4540 12TH AVE, SACRAMENTO, CA 95820-1437
Document Number	2101110725
Instrument Date	Jan 5, 2021
Transaction Type	Mortgage
Record Updated	Jan 25, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	4540 12TH AVE SACRAMENTO CA 958201437, SACRAMENTO, CA 95820-1437

Mortgage

Document Number	2101110725
Date	Jan 11, 2021
Instrument	2101110725

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 10, 2051

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4540 12TH AVE, SACRAMENTO, CA 95820-1437
Document Number	1903200564
Instrument Date	Mar 14, 2019
Transaction Type	Mortgage
Record Updated	Apr 1, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3953 SHERMAN WAY SACRAMENTO CA 958171446, SACRAMENTO, CA 95817-1446

Mortgage

Document Number	1903200564
Date	Mar 20, 2019
Instrument	1903200564

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 19, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4540 12th Ave was $4,725, up 14% from the year before.

Source: Sacramento County assessment roll, as of July 22, 2026

Property Jurisdictions

Type	Name
State	California
County	Sacramento County
Municipality	Sacramento City
Unified School District	Sacramento City Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$405,756 (+2%) Land $104,040 Building $301,716
2025	$4,725.00 (+139.97%)	$397,800 Land $102,000 Building $295,800
2024	$1,969.00 (+2.45%)
2023	$1,922.00 (+1.75%)	$153,355 Land $30,860 Building $122,495
2022	$1,889.00

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

FEMA maps place 4540 12th Ave 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 4 (30% premium discount)
Nearby Flood Policies	6 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 4540 12th Ave 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	CITY OF SACRAMENTO MAIN state or territorial government · serves 527,979 people · EPA ID CA3410020
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2021–2023) 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 954 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Fidium Fiber Fiber	2,000 / 2,000
Verizon Fixed Wireless	1,000 / 75
unWired Broadband Fixed Wireless	400 / 50

May also be available: GeoLinks, T-Mobile.

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