4580 Bannister Rd, Fair Oaks, CA 95628 Property Records

Sacramento County property record for 4580 Bannister Rd, Fair Oaks, CA 95628

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,667 sqft · built 1969
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$520,000 (Aug 2021)
Tax Bill	$7,195 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage May 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`242-0383-002-0000`

Property Details

APN / Parcel Number

Primary APN	`242-0383-002-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,667 sqft Living Area
1st Floor Area	1,667 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Area	434 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4580 BANNISTER RD
City	FAIR OAKS
State	CA
Zip	95628-5704
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	BANNISTER HEIGHTS, LOT 10
Legal Subdivision	BANNISTER HEIGHTS
Legal Lot Number	10
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	2
Census Block	2009
Census Tract	8010

Owner

4580 Bannister Rd is owned and occupied by two individuals who bought it in August 2021.

Source: Sacramento County records, as of September 3, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4580 BANNISTER RD, FAIR OAKS, CA 95628-5704
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
Aug 2, 2021	Grant Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
May 21, 2020	Deed of Trust, Mortgage · Conventional with PMI AMERICAN PACIFIC MTG
May 13, 2019	Affidavit of Death, Transfer PLACER TITLE COMPANY, PLACER TITLE CO.
May 13, 2019	Grant Deed, Transfer · Conventional with PMI AMERICAN PACIFIC MTG
May 9, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2021 · Amount on File
Deed Sale	Aug 2, 2021 · Amount on File
Prior Sale	May 13, 2019 · Amount on File
Deed Book / Page	20210802 / 1454
Prior Transfer Date	Aug 3, 2007
Prior Transfer Doc	0000000975
Record Updated	Oct 29, 2026

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 2, 2021
Property Address	4580 BANNISTER RD, FAIR OAKS, CA 95628-5704
Document Number	0000001454
Map Reference	MB 78 MAP 25
Instrument Date	Aug 2, 2021
Instrument	202108021454
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	STEWART TITLE, STEWART TITLE OF SACRAMENTO

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	4580 BANNISTER RD, FAIR OAKS, CA 95628-5704
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001455
Date	Aug 2, 2021
Instrument	202108021455

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4580 BANNISTER RD, FAIR OAKS, CA 95628-5704
Document Number	2005281081
Instrument Date	May 21, 2020
Transaction Type	Mortgage
Record Updated	Jun 9, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4580 BANNISTER RD FAIR OAKS CA 956285704, FAIR OAKS, CA 95628-5704

Mortgage

Document Number	2005281081
Date	May 28, 2020
Instrument	2005281081

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 27, 2050

May 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SACRAMENTO CA
Recording Date	May 13, 2019
Property Address	4580 BANNISTER RD, FAIR OAKS, CA 95628-5704
Document Number	1905131133
Instrument Date	May 3, 2019
Instrument	1905131133
Transaction Type	Transfer
Record Updated	May 23, 2019
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	24090 WAGON TRL COLFAX CA 957139044, COLFAX, CA 95713-9044

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 13, 2019
Property Address	4580 BANNISTER RD, FAIR OAKS, CA 95628-5704
Document Number	1905131134
Instrument Date	May 3, 2019
Instrument	1905131134
Transaction Type	Transfer
Record Updated	May 23, 2019
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$441.10
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	4580 BANNISTER RD FAIR OAKS CA 956285704, FAIR OAKS, CA 95628-5704

Mortgage

Document Number	1905131135
Date	May 13, 2019
Instrument	1905131135

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 12, 2049

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 9, 2018
Property Address	4580 BANNISTER RD, FAIR OAKS, CA 95628-5704
Document Number	1805091021
Instrument Date	Apr 27, 2018
Instrument	1805091021
Transaction Type	Transfer
Record Updated	May 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	24090 WAGON TRL COLFAX CA 957139044, COLFAX, CA 95713-9044

Tax Assessment & Valuation

The 2025 property tax bill for 4580 Bannister Rd was $7,195 with a homeowner's exemption, up 0.8% 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	San Juan Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$611,572 (+2%) Land $108,242 Building $503,330
2025	$7,195.00 (+0.78%) Homeowner's exemption	$599,581 Land $106,120 Building $493,461
2024	$7,139.00 (+3.03%)
2023	$6,929.00 (+0.39%) Homeowner's exemption	$576,300 Land $102,000 Building $474,300
2022	$6,902.00

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

Flood

FEMA maps place 4580 Bannister Rd in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1995.

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
Nearby Flood Claims	8 (1995–1997)
Claims Outside the SFHA	8 of 8
Most Recent Claim	Jan 1997 · Severe Storms, Flooding, Mud And Landslides
Claims by Event	Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 2 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 3 claims

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

Wildfire risk around 4580 Bannister Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	FAIR OAKS WATER DISTRICT serves 36,226 people · EPA ID CA3410009
Water Source	Purchased surface water from SAN JUAN WATER DISTRICT
Last State Inspection	Mar 2025
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 556 locations within half a mile, as of December 31, 2025

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

May also be available: GeoLinks, Succeed.Net.

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