4651 U St, Sacramento, CA 95817 Property Records

Sacramento County property record for 4651 U St, Sacramento, CA 95817

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,736 sqft · built 1922
Lot Size	0.13 acres (5,663 sqft)
Owner	Trust Name on File
Tax Bill	$831 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Oct 2021 Transfer + 6 more
Flood Zone	Zone X (minimal risk)
APN	`011-0126-024-0000`

Property Details

APN / Parcel Number

Primary APN	`011-0126-024-0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,736 sqft Living Area
1st Floor Area	1,736 sqft
Bonus Room	Bonus Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	4651 U ST
City	SACRAMENTO
State	CA
Zip	95817-1522
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	ELMHURST MAP 02, LOT 2124
Legal Subdivision	ELMHURST MAP 02
Legal Lot Number	2124
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1039
Census Tract	1702

Owner

4651 U St is owner-occupied and held in a trust since October 2021.

Source: Sacramento County records, as of July 22, 2026

Owner of Record	Trust Name on File
Mailing Address	4651 U ST, SACRAMENTO, CA 95817-1522
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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
Jun 17, 2026	Deed of Trust, Mortgage · Line of Credit FREEDOM MORTGAGE CORPORATION
Oct 21, 2021	Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE CO
Oct 21, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CATALYST MORTGAGE
Aug 31, 2020	Quit Claim Deed, Transfer NORTH AMERICAN TITLE
Aug 31, 2020	Quit Claim Deed, Transfer CATALYST MTG
Jul 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage SCHOOLS FIN'L CU
Jan 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BK
Jan 8, 2019	Quit Claim Deed, Transfer WFG NATIONAL TITLE COMPANY/CA, WFG NAT'L TITLE CO/CA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 15, 2021
Transfer Doc	0000001208
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 17, 2026
Property Address	4651 U ST, SACRAMENTO, CA 95817-1522
Document Number	2026000300
Book / Page	20260617 / 300
Instrument Date	Jun 9, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	4651 U ST, SACRAMENTO, CA 95817-1522

Mortgage

Document Number	2026000300,
Date	Jun 17, 2026
Book Page	20260617/300

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 17, 2046

Interest

Rate	6.36%
Max Rate	-1%

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 21, 2021
Property Address	4651 U ST, SACRAMENTO, CA 95817-1522
Document Number	2021102101210
Map Reference	MB 10 MAP 35
Instrument Date	Oct 15, 2021
Instrument	2021102101210
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4651 U ST, SACRAMENTO, CA 95817-1522

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 21, 2021
Property Address	4651 U ST, SACRAMENTO, CA 95817-1522
Document Number	2021102101208
Map Reference	MB 10 MAP 35
Instrument Date	Oct 15, 2021
Instrument	2021102101208
Transaction Type	Transfer
Record Updated	Nov 3, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4651 U ST, SACRAMENTO, CA 95817-1522

Mortgage

Document Number	2021102101209
Date	Oct 21, 2021
Instrument	2021102101209

Lender

Name	CATALYST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 31, 2020
Property Address	4651 U ST, SACRAMENTO, CA 95817-1522
Document Number	2008311790
Instrument Date	Aug 30, 2020
Instrument	2008311790
Transaction Type	Transfer
Record Updated	Sep 17, 2020
Title Company	NORTH AMERICAN TITLE

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	4651 U ST SACRAMENTO CA 958171522, SACRAMENTO, CA 95817-1522

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 31, 2020
Property Address	4651 U ST, SACRAMENTO, CA 95817-1522
Document Number	2008311792
Instrument Date	Aug 20, 2020
Instrument	2008311792
Transaction Type	Transfer
Record Updated	Sep 17, 2020
Title Company	NORTH AMERICAN TITLE

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	Living Trust
Address	4651 U ST SACRAMENTO CA 958171522, SACRAMENTO, CA 95817-1522

Mortgage

Document Number	2008311791
Date	Aug 31, 2020
Instrument	2008311791

Lender

Name	CATALYST MTG
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 30, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4651 U ST, SACRAMENTO, CA 95817-1522
Document Number	1908050127
Instrument Date	Jul 25, 2019
Transaction Type	Mortgage
Record Updated	Aug 19, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4651 U ST SACRAMENTO CA 958171522, SACRAMENTO, CA 95817-1522

Mortgage

Document Number	1908050127
Date	Aug 5, 2019
Instrument	1908050127

Lender

Name	SCHOOLS FIN'L CU
Type	Credit Union
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 4, 2034

Interest

Rate Type	Adjustable Rate

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4651 U ST, SACRAMENTO, CA 95817-1522
Document Number	1902211421
Instrument Date	Jan 17, 2019
Transaction Type	Mortgage
Record Updated	Mar 4, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC-OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4651 U ST SACRAMENTO CA 958171522, SACRAMENTO, CA 95817-1522

Mortgage

Document Number	1902211421
Date	Feb 21, 2019
Instrument	1902211421

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098-2639

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Feb 20, 2029

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jan 8, 2019
Property Address	4651 U ST, SACRAMENTO, CA 95817-1522
Document Number	1901081345
Instrument Date	Sep 8, 2016
Instrument	1901081345
Transaction Type	Transfer
Record Updated	Jan 18, 2019
Title Company	WFG NATIONAL TITLE COMPANY/CA, WFG NAT'L TITLE CO/CA

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4651 U ST SACRAMENTO CA 958171522, SACRAMENTO, CA 95817-1522

Tax Assessment & Valuation

The 2025 property tax bill for 4651 U St was $831 with a homeowner's exemption, up 1.6% 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		$64,832 (+2%) Land $16,190 Building $48,642
2025	$831.00 (+1.59%) Homeowner's exemption	$63,562 Land $15,873 Building $47,689
2024	$818.00 (+2.51%)
2023	$798.00 (+2.05%) Homeowner's exemption	$61,095 Land $15,257 Building $45,838
2022	$782.00

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

Flood

FEMA maps place 4651 U St 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
Flood Insurance Cost	Premium on File median of 17 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	17 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 4651 U St 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 428 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
Fidium Fiber Fiber	2,000 / 2,000
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, Succeed.Net.

Nearby Properties on U St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures