51 Cognac Cir, Sacramento, CA 95835 Property Records

Sacramento County property record for 51 Cognac Cir, Sacramento, CA 95835

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,653 sqft · built 2002
Lot Size	0.13 acres (5,643 sqft)
Owner	2 Trust Names on File
Last Sale	$340,500 (Nov 2002)
Tax Bill	$6,245 (2025)
Deeds & Mortgages	Jan 2026 Transfer Jul 2022 Line of Credit + 1 more
Flood Zone	Zone A99 (high risk)
APN	`225-1570-034-0000`

Property Details

APN / Parcel Number

Primary APN	`225-1570-034-0000`

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	5,643 sqft (0.13 acres)
Garage Area	646 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	51 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 4
Legal Subdivision	WESTBOROUGH VLG 01 PH 02
Legal Lot Number	4
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1011
Census Tract	7107

Owner

51 Cognac Cir is owner-occupied and held in a trust since January 2010.

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

Owner of Record	2 Trust Names on File
Mailing Address	51 COGNAC CIR, SACRAMENTO, CA 95835-2034
Occupancy	Owner Occupied
Owner Type	Company
Vesting	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
Jan 26, 2026	Intrafamily Transfer, Transfer
Jul 27, 2022	Deed of Trust, Mortgage · Line of Credit FIRST NORTHERN BANK OF DIXON
May 7, 2019	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2002 · Amount on File
Deed Sale	Nov 22, 2002 · Amount on File
Deed Book / Page	20021122 / 2228
Last Transfer Date	Jan 21, 2010
Transfer Doc	0000000840
Record Updated	Oct 29, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Jan 26, 2026
Property Address	51 COGNAC CIR, SACRAMENTO, CA 95835-2034
Document Number	0000000616
Map Reference	MB 2820 PG 544
Instrument Date	Jan 8, 2026
Instrument	202601260616
Transaction Type	Transfer
Record Updated	Feb 5, 2026

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
Address	51 COGNAC CIR, SACRAMENTO, CA 95835-2034

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	51 COGNAC CIR, SACRAMENTO, CA 95835-2034
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 COGNAC CIR, SACRAMENTO, CA 95835-2034

Mortgage

Document Number	0000000583
Date	Jul 27, 2022
Instrument	2022072700583

Lender

Name	FIRST NORTHERN BANK OF DIXON
Type	Bank
Address	WEST SACRAMENTO, CA 95691

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	51 COGNAC CIR, SACRAMENTO, CA 95835-2034
Document Number	1905300077
Instrument Date	May 7, 2019
Transaction Type	Mortgage
Record Updated	Jun 11, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	51 COGNAC CIR SACRAMENTO CA 958352034, SACRAMENTO, CA 95835-2034

Mortgage

Document Number	1905300077
Date	May 30, 2019
Instrument	1905300077

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 29, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 51 Cognac Cir was $6,245, down 11.1% 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		$502,778 (+2%) Land $96,012 Building $406,766
2025	$6,245.00 (-11.08%) Homeowner's exemption	$492,921 Land $94,130 Building $398,791
2024	$7,023.00 (+3.29%)
2023	$6,799.00 (+2.23%) Homeowner's exemption	$473,782 Land $90,476 Building $383,306
2022	$6,651.00

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

Flood

FEMA maps place 51 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 51 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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