50 Cognac Cir, Sacramento, CA 95835 Property Records

Sacramento County property record for 50 Cognac Cir, Sacramento, CA 95835

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,653 sqft · built 2002
Lot Size	0.123 acres (5,355 sqft)
Owner	Individual Name on File
Last Sale	$650,000 (Jul 2026)
Tax Bill	$7,181 (2025)
Deeds & Mortgages	Jul 2026 Sale Jul 2026 Sale + 5 more
Flood Zone	Zone A99 (high risk)
APN	`225-1570-041-0000`

Property Details

APN / Parcel Number

Primary APN	`225-1570-041-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,653 sqft Living Area
1st Floor Area	1,379 sqft
2nd Floor Area	1,274 sqft
Bonus Room	Bonus Room
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	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	5,355 sqft (0.123 acres)
Garage Area	646 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	50 COGNAC CIR
City	SACRAMENTO
State	CA
Zip	95835-2034
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A-PUD
Legal Description	WESTBOROUGH VLG 01 PH 02, LOT 11
Legal Subdivision	WESTBOROUGH VLG 01 PH 02
Legal Lot Number	11
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1012
Census Tract	7107

Owner

50 Cognac Cir is owned by an individual who bought it in July 2026.

Source: Sacramento County records, as of September 3, 2026

Owner of Record	Individual Name on File
Mailing Address	1640 E 19TH ST, OAKLAND, CA 94606-4025
Owner Type	Individual
Vesting	Sole Owner

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
Jul 30, 2026	Deed, Transfer CHICAGO TITLE COMPANY
Jul 30, 2026	Deed, Transfer CHICAGO TITLE COMPANY
Jul 30, 2026	Grant Deed, Transfer · Conventional Mortgage FIRST FINANCIAL CORPORATION
Feb 9, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 17, 2018	Grant Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MTG
May 9, 2017	Grant Deed, Transfer · Conventional Mortgage CONVENTUS LLC
May 9, 2017	Quit Claim Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2026 · Amount on File
Deed Sale	Jul 30, 2026 · Amount on File
Prior Sale	Apr 17, 2018 · Amount on File
Deed Book / Page	20260730 / 775
Prior Transfer Date	May 2, 2017
Prior Transfer Doc	0000001352
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 30, 2026
Property Address	50 COGNAC CIR, SACRAMENTO, CA 95835-2034
Document Number	2026000777
Book / Page	20260730 / 777
Instrument Date	Jul 27, 2026
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	1640 E 19TH ST, OAKLAND, CA 94606-4025

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 30, 2026
Property Address	50 COGNAC CIR, SACRAMENTO, CA 95835-2034
Document Number	2026000776
Book / Page	20260730 / 776
Instrument Date	Jul 27, 2026
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	90 AINGER CIR, SACRAMENTO, CA 95835-1600

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 30, 2026
Property Address	50 COGNAC CIR, SACRAMENTO, CA 95835-2034
Document Number	2026000775
Book / Page	20260730 / 775
Instrument Date	Jul 27, 2026
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$72,215.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 COGNAC CIR, SACRAMENTO, CA 95835-2034

Mortgage

Document Number	2026000778,
Date	Jul 30, 2026
Book Page	20260730/778

Lender

Name	FIRST FINANCIAL CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.81%
Initial Type	Fixed Rate
Max Rate	-1%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	50 COGNAC CIR, SACRAMENTO, CA 95835-2034
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 COGNAC CIR, SACRAMENTO, CA 95835-2034

Mortgage

Document Number	0000000745
Date	Feb 9, 2022
Instrument	2022020900745

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	315 Months
Due	May 1, 2048

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 17, 2018
Property Address	50 COGNAC CIR, SACRAMENTO, CA 95835-2034
Document Number	1804170961
Instrument Date	Apr 9, 2018
Instrument	1804170961
Transaction Type	Transfer
Record Updated	May 1, 2018
Title Company	ORANGE COAST TITLE COMPANY/NTHRN CA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$506.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 COGNAC CIR SACRAMENTO CA 958352034, SACRAMENTO, CA 95835-2034

Mortgage

Document Number	1804170962
Date	Apr 17, 2018
Instrument	1804170962

Lender

Name	FINANCE OF AMERICA MTG
Address	ROSEVILLE, CA 95661

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 16, 2048

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 9, 2017
Property Address	50 COGNAC CIR, SACRAMENTO, CA 95835-2034
Document Number	0000001351
Book / Page	170509 / 001351
Instrument Date	May 8, 2017
Transaction Type	Transfer
Record Updated	May 23, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$508.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	50 COGNAC CIR SACRAMENTO CA 958352034, SACRAMENTO, CA 95835-2034

Mortgage

Document Number	1353
Date	May 9, 2017
Book Page	170509/001353

Lender

Name	CONVENTUS LLC
Address	735 MONTGOMERY ST # 330, SAN FRANCISCO, CA 94111-2116

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 9, 2017
Property Address	50 COGNAC CIR, SACRAMENTO, CA 95835-2034
Document Number	0000001352
Book / Page	170509 / 001352
Instrument Date	May 2, 2017
Transaction Type	Transfer
Record Updated	May 23, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	50 COGNAC CIR SACRAMENTO CA 958352034, SACRAMENTO, CA 95835-2034

Tax Assessment & Valuation

The 2025 property tax bill for 50 Cognac Cir was $7,181, down 3.9% 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	Natomas Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$533,863 (+2%) Land $104,450 Building $429,413
2025	$7,181.00 (-3.89%)	$523,396 Land $102,402 Building $420,994
2024	$7,472.00 (+3.43%)
2023	$7,224.00 (-9.58%)	$503,075 Land $98,427 Building $404,648
2022	$7,989.00

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

Flood

FEMA maps place 50 Cognac Cir in Zone A99, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 29, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A99 high risk · federal flood protection under construction
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 507 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	507 in force
Nearby Flood Claims	41 (1980–2021)
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 9 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 6 claims Severe Storms & Flooding, Feb 1986 · 7 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

Wildfire risk around 50 Cognac Cir is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 73% of California
Wildfire Likelihood	0.09% 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	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 787 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	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: Cal.net, Fidium Fiber, Succeed.Net.

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