4818 Cotham Ln, Fair Oaks, CA 95628 Property Records

Sacramento County property record for 4818 Cotham Ln, Fair Oaks, CA 95628

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,930 sqft · built 2002
Lot Size	0.395 acres (17,206 sqft)
Owner	2 Individual Names on File
Last Sale	$805,000 (Feb 2019)
Tax Bill	$10,866 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`246-0051-047-0000`

Property Details

APN / Parcel Number

Primary APN	`246-0051-047-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,930 sqft Living Area
1st Floor Area	1,760 sqft
2nd Floor Area	1,170 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Custom Design
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	17,206 sqft (0.395 acres)
Garage Area	777 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4818 COTHAM LN
City	FAIR OAKS
State	CA
Zip	95628-6358
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-3
Legal Description	PARCEL MAP, LOT 2
Legal Subdivision	PARCEL MAP
Legal Lot Number	2
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1007
Census Tract	8006

Owner

4818 Cotham Ln is owned and occupied by two individuals who bought it in February 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	4818 COTHAM LN, FAIR OAKS, CA 95628-6358
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Feb 4, 2019	Grant Deed, Transfer BANK OF AMERICA
Jun 12, 2017	Quit Claim Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2019 · Amount on File
Deed Sale	Feb 4, 2019 · Amount on File
Prior Sale	May 23, 2014 · Amount on File
Deed Book / Page	20190204 / 761
Prior Transfer Date	Sep 29, 2016
Prior Transfer Doc	6120000001320
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4818 COTHAM LN, FAIR OAKS, CA 95628-6358
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4818 COTHAM LN, FAIR OAKS, CA 95628-6358

Mortgage

Document Number	0000001748
Date	Mar 4, 2021
Instrument	202103041748

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

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

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4818 COTHAM LN, FAIR OAKS, CA 95628-6358
Transaction Type	Mortgage
Record Updated	Mar 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4818 COTHAM LN, FAIR OAKS, CA 95628-6358

Mortgage

Document Number	3040000001748
Date	Mar 4, 2021
Book Page	20210304/1748

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

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

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Feb 4, 2019
Property Address	4818 COTHAM LN, FAIR OAKS, CA 95628-6358
Document Number	1902040761
Instrument Date	Jan 31, 2019
Instrument	1902040761
Transaction Type	Transfer
Record Updated	Feb 13, 2019
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$885.50
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	4818 COTHAM LN FAIR OAKS CA 956286358, FAIR OAKS, CA 95628-6358

Mortgage

Document Number	1902040762
Date	Feb 4, 2019
Instrument	1902040762

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 3, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.12%

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 12, 2017
Property Address	4818 COTHAM LN, FAIR OAKS, CA 95628-6358
Document Number	1706121320
Instrument Date	Sep 29, 2016
Instrument	1706121320
Transaction Type	Transfer
Record Updated	Aug 1, 2017
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	10750 BIRCH RANCH DR SACRAMENTO CA 958307002, SACRAMENTO, CA 95830-7002

Tax Assessment & Valuation

The 2025 property tax bill for 4818 Cotham Ln was $10,866 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		$922,188 (+2%) Land $284,453 Building $637,735
2025	$10,866.00 (+0.78%) Homeowner's exemption	$904,107 Land $278,876 Building $625,231
2024	$10,782.00 (+3.72%)
2023	$10,395.00 (+0.38%) Homeowner's exemption	$863,119 Land $268,048 Building $595,071
2022	$10,356.00

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

Flood

FEMA maps place 4818 Cotham Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1996.

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	5 in force
Nearby Flood Claims	1 (1996)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 1996 · rainfall accumulation

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 4818 Cotham Ln 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 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 417 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
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Succeed.Net.

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