4545 Millrace Rd, Sacramento, CA 95864 Property Records

Sacramento County property record for 4545 Millrace Rd, Sacramento, CA 95864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,634 sqft · built 1955
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$479,000 (Jul 2018)
Tax Bill	$6,412 (2025)
Deeds & Mortgages	Nov 2024 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`282-0022-018-0000`

Property Details

APN / Parcel Number

Primary APN	`282-0022-018-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,634 sqft Living Area
1st Floor Area	1,634 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	10,000 sqft (0.23 acres)
Garage Area	444 sqft
Parking Spaces	2 Parking Spaces
Pool Area	25,000 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Solar

Location & Zoning

Street Address	4545 MILLRACE RD
City	SACRAMENTO
State	CA
Zip	95864-0825
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-4
Legal Description	FRONTIER MISSION, LOT 17
Legal Subdivision	FRONTIER MISSION
Legal Lot Number	17
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1005
Census Tract	5801

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	2 Individual Names on Record
Mailing Address	4545 MILLRACE RD, SACRAMENTO, CA 95864-0825
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2024	Deed of Trust, Mortgage · Line of Credit THE LOAN STORE INC
Dec 16, 2020	Quit Claim Deed, Transfer AMERICAN PACIFIC MTG
Jul 9, 2018	Grant Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2018 · Amount on Record
Deed Sale	Jul 9, 2018 · Amount on Record
Deed Book / Page	20180709 / 567
Last Transfer Date	Dec 9, 2020
Transfer Doc	12160000001728
Record Updated	Sep 20, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4545 MILLRACE RD, SACRAMENTO, CA 95864-0825
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4545 MILLRACE RD, SACRAMENTO, CA 95864-0825

Mortgage

Document Number	0000000519
Date	Nov 12, 2024
Instrument	202411120519

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company
Address	TUCSON, AZ 85718

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 11, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 16, 2020
Property Address	4545 MILLRACE RD, SACRAMENTO, CA 95864-0825
Document Number	2012161728
Instrument Date	Dec 9, 2020
Instrument	2012161728
Transaction Type	Transfer
Record Updated	Dec 31, 2020
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4545 MILLRACE RD SACRAMENTO CA 958640825, SACRAMENTO, CA 95864-0825

Mortgage

Document Number	2012161729
Date	Dec 16, 2020
Instrument	2012161729

Lender

Name	AMERICAN PACIFIC MTG
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 15, 2050

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 9, 2018
Property Address	4545 MILLRACE RD, SACRAMENTO, CA 95864-0825
Document Number	1807090567
Instrument Date	Jun 29, 2018
Instrument	1807090567
Transaction Type	Transfer
Record Updated	Jul 17, 2018
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$526.90
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	4545 MILLRACE RD SACRAMENTO CA 958640825, SACRAMENTO, CA 95864-0825

Mortgage

Document Number	1807090568
Date	Jul 9, 2018
Instrument	1807090568

Lender

Name	SIERRA PACIFIC MTG
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 8, 2048

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		$545,015 (+2%) Land $159,294 Building $385,721
2025	$6,412.00 (+0.96%)	$534,329 (+4.04%) Land $156,171 Building $378,158
2024	$6,351.00 (+2.6%)
2023	$6,190.00 (+0.55%)	$513,582 Land $150,107 Building $363,475
2022	$6,156.00

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 15 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	4 (1986–1997)
Most Recent Claim	Jan 1997 · Severe Storms, Flooding, Mud And Landslides

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	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 474 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	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Succeed.Net.

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