4645 Shallow Way, Sacramento, CA 95820 Property Records

Sacramento County property record for 4645 Shallow Way, Sacramento, CA 95820

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,166 sqft · built 1980
Lot Size	0.206 acres (8,950 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (May 2022)
Tax Bill	$6,327 (2025)
Deeds & Mortgages	Feb 2021 Mortgage May 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (reduced by levee)
APN	`019-0094-015-0000`

Property Details

APN / Parcel Number

Primary APN	`019-0094-015-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,166 sqft Living Area
1st Floor Area	1,166 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	8,950 sqft (0.206 acres)
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Solar

Location & Zoning

Street Address	4645 SHALLOW WAY
City	SACRAMENTO
State	CA
Zip	95820-3735
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LEW POW ESTATES, LOT 36
Legal Subdivision	LEW POW ESTATES
Legal Lot Number	36
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1023
Census Tract	3600

Owner

Source: Sacramento County records, as of September 3, 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	4645 SHALLOW WAY, SACRAMENTO, CA 95820-3735
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
May 31, 2022	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jan 23, 2020	Deed of Trust, Mortgage · FHA Mortgage HOME PT FIN'L
Jul 25, 2018	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MTG
Mar 23, 2017	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2022 · Amount on Record
Deed Sale	May 31, 2022 · Amount on Record
Prior Sale	Jul 25, 2018 · Amount on Record
Deed Book / Page	20220531 / 854
Prior Transfer Date	Mar 24, 2003
Prior Transfer Doc	2003000313
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4645 SHALLOW WAY, SACRAMENTO, CA 95820-3735
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7585 DOSTER RD, MOUNTAIN RANCH, CA 95246-9670

Mortgage

Document Number	0000000611
Date	Feb 5, 2021
Instrument	202102050611

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 31, 2022
Property Address	4645 SHALLOW WAY, SACRAMENTO, CA 95820-3735
Document Number	0000000854
Map Reference	MB 119 MAP 15
Instrument Date	May 25, 2022
Instrument	2022053100854
Transaction Type	Transfer
Record Updated	Jun 13, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Community Property with Right of Survivorship
Address	4645 SHALLOW WAY, SACRAMENTO, CA 95820-3735

Mortgage

Document Number	0000000855
Date	May 31, 2022
Instrument	2022053100855

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4645 SHALLOW WAY, SACRAMENTO, CA 95820-3735
Document Number	2001290242
Instrument Date	Jan 23, 2020
Transaction Type	Mortgage
Record Updated	Feb 13, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4645 SHALLOW WAY SACRAMENTO CA 958203735, SACRAMENTO, CA 95820-3735

Mortgage

Document Number	2001290242
Date	Jan 29, 2020
Instrument	2001290242

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 28, 2050

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 25, 2018
Property Address	4645 SHALLOW WAY, SACRAMENTO, CA 95820-3735
Document Number	1807251529
Instrument Date	Jul 16, 2018
Instrument	1807251529
Transaction Type	Transfer
Record Updated	Aug 7, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4645 SHALLOW WAY SACRAMENTO CA 958203735, SACRAMENTO, CA 95820-3735

Mortgage

Document Number	1807251531
Date	Jul 25, 2018
Instrument	1807251531

Lender

Name	AMERICAN PACIFIC MTG
Type	Mortgage Company
Address	SACRAMENTO, CA 95814

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Mortgage

Document Number	1807251530,
Date	Jul 25, 2018
Instrument	1807251530

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 2048

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 23, 2017
Property Address	4645 SHALLOW WAY, SACRAMENTO, CA 95820-3735
Document Number	0000000144
Book / Page	170323 / 000144
Instrument Date	Mar 16, 2017
Transaction Type	Transfer
Record Updated	Apr 3, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$302.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4645 SHALLOW WAY SACRAMENTO CA 958203735, SACRAMENTO, CA 95820-3735

Tax Assessment & Valuation

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		$541,214 (+2%) Land $124,478 Building $416,736
2025	$6,327.00 (+1.43%)	$530,603 (+4.04%) Land $122,038 Building $408,565
2024	$6,238.00 (+2.41%)
2023	$6,091.00 (+57.63%)	$510,000 Land $117,300 Building $392,700
2022	$3,864.00

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	12 (1993–2023)
Claims Outside the SFHA	2 of 12
Most Recent Claim	Mar 2023 · Severe Storm And Flooding
Claims by Event	Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 2 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 5 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% 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	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 737 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 / 250
Verizon Fixed Wireless	1,000 / 75
unWired Broadband Fixed Wireless	400 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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