4945 Steele Way, Fair Oaks, CA 95628 Property Records

Sacramento County property record for 4945 Steele Way, Fair Oaks, CA 95628

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,112 sqft · built 1977
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Individual Names on File
Last Sale	$422,000 (Jul 2003)
Tax Bill	$7,219 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`246-0640-008-0000`

Property Details

APN / Parcel Number

Primary APN	`246-0640-008-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,112 sqft Living Area
1st Floor Area	2,112 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	22,216 sqft (0.51 acres)
Garage Area	661 sqft
Parking Spaces	2 Parking Spaces
Pool Area	10,000 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4945 STEELE WAY
City	FAIR OAKS
State	CA
Zip	95628-5350
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE-2 (PD)
Legal Description	BRITTANY HILLS, LOT 8
Legal Subdivision	BRITTANY HILLS
Legal Lot Number	8
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	2
Census Block	2005
Census Tract	8006

Owner

4945 Steele Way is owned and occupied by two individuals who bought it in July 2003.

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

Owner of Record	2 Individual Names on File
Mailing Address	4945 STEELE WAY, FAIR OAKS, CA 95628-5350
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Feb 25, 2022	Deed of Trust, Mortgage · Line of Credit FIRST US COMMUNITY CU
Mar 3, 2020	Deed of Trust, Mortgage · Conventional with PMI UNITED WHOLESALE MTG
Apr 11, 2019	Quit Claim Deed, Mortgage · Conventional Mortgage SAFE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2003 · Amount on File
Deed Sale	Jul 31, 2003 · Amount on File
Deed Book / Page	20030731 / 2937
Prior Transfer Date	May 12, 1995
Prior Transfer Doc	9505000920
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4945 STEELE WAY, FAIR OAKS, CA 95628-5350
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4945 STEELE WAY, FAIR OAKS, CA 95628-5350

Mortgage

Document Number	0000001421
Date	Feb 25, 2022
Instrument	2022022501421

Lender

Name	FIRST US COMMUNITY CU
Type	Credit Union
Address	SACRAMENTO, CA 95825

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 28, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4945 STEELE WAY, FAIR OAKS, CA 95628-5350
Document Number	2003090834
Instrument Date	Mar 3, 2020
Transaction Type	Mortgage
Record Updated	Mar 30, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4945 STEELE WAY FAIR OAKS CA 956285350, FAIR OAKS, CA 95628-5350

Mortgage

Document Number	2003090834
Date	Mar 9, 2020
Instrument	2003090834

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 8, 2050

April 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 11, 2019
Property Address	4945 STEELE WAY, FAIR OAKS, CA 95628-5350
Document Number	1904111204
Instrument Date	Mar 28, 2019
Instrument	1904111204
Transaction Type	Mortgage
Record Updated	Apr 23, 2019
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4945 STEELE WAY FAIR OAKS CA 956285350, FAIR OAKS, CA 95628-5350

Mortgage

Document Number	1904111205
Date	Apr 11, 2019
Instrument	1904111205

Lender

Name	SAFE FCU
Type	Credit Union
Address	FOLSOM, CA 95630-8765

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 10, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 4945 Steele Way was $7,219 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		$611,977 (+2%) Land $174,017 Building $437,960
2025	$7,219.00 (+0.78%) Homeowner's exemption	$599,978 Land $170,605 Building $429,373
2024	$7,163.00 (+3.12%)
2023	$6,946.00 (+0.39%) Homeowner's exemption	$576,681 Land $163,981 Building $412,700
2022	$6,919.00

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

Flood

FEMA maps place 4945 Steele Way in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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	6 in force
Nearby Flood Claims	1 (1995)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 1995 · Severe Winter Storms, Flooding, Landslides, Mud Flows

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 4945 Steele Way 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 99.1% of the US · lower than 99.2% 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 292 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
Succeed.Net Fixed Wireless	100 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Cal.net.

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