4832 Cotham Ln, Fair Oaks, CA 95628 Property Records

Sacramento County property record for 4832 Cotham Ln, Fair Oaks, CA 95628

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 4,772 sqft · built 2003
Lot Size	0.395 acres (17,206 sqft)
Owner	Company Name on File
Last Sale	$1,430,000 (May 2005)
Tax Bill	$18,126 (2025)
Deeds & Mortgages	Sep 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`246-0051-049-0000`

Property Details

APN / Parcel Number

Primary APN	`246-0051-049-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	4,772 sqft Living Area
1st Floor Area	2,832 sqft
2nd Floor Area	1,051 sqft
Basement Area	889 sqft
Finished Basement	889 sqft
Bonus Room	Bonus Room
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
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	784 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4832 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 4
Legal Subdivision	PARCEL MAP
Legal Lot Number	4
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1007
Census Tract	8006

Owner

4832 Cotham Ln is owned by a company that acquired it in December 2013 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	4832 COTHAM LN, FAIR OAKS, CA 95628-6358
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2005 · Amount on File
Deed Sale	May 20, 2005 · Amount on File
Prior Sale	Oct 17, 2001 · Amount on File
Deed Book / Page	20050520 / 446
Last Transfer Date	Dec 18, 2013
Transfer Doc	0000000461
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4832 COTHAM LN, FAIR OAKS, CA 95628-6358
Document Number	1910180361
Instrument Date	Sep 16, 2019
Transaction Type	Mortgage
Record Updated	Oct 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4832 COTHAM LN FAIR OAKS CA 956286358, FAIR OAKS, CA 95628-6358

Mortgage

Document Number	1910180361
Date	Oct 18, 2019
Instrument	1910180361

Lender

Name	US BK
Type	Bank
Address	LA JOLLA, CA 92037

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4832 Cotham Ln was $18,126, up 5.8% 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		$1,531,000 (+2.07%) Land $357,000 Building $1,174,000
2025	$18,126.00 (+5.82%)	$1,500,000 Land $400,000 Building $1,100,000
2024	$17,129.00 (+0.99%)
2023	$16,961.00 (-1.6%)	$1,400,000 Land $400,000 Building $1,000,000
2022	$17,237.00

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

Flood

FEMA maps place 4832 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 4832 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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