5115 Arroyo St, Fair Oaks, CA 95628 Property Records

Sacramento County property record for 5115 Arroyo St, Fair Oaks, CA 95628

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 2,222 sqft · built 2002
Lot Size	0.264 acres (11,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$590,000 (Apr 2021)
Tax Bill	$9,806 (2025)
Deeds & Mortgages	May 2023 Mortgage Apr 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`253-0350-069-0000`

Property Details

APN / Parcel Number

Primary APN	`253-0350-069-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,222 sqft Living Area
1st Floor Area	2,222 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Custom Design
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	11,500 sqft (0.264 acres)
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5115 ARROYO ST
City	FAIR OAKS
State	CA
Zip	95628-5410
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	RD-3
Legal Description	PARCEL MAP, LOT 1
Legal Subdivision	PARCEL MAP
Legal Lot Number	1
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1005
Census Tract	8006

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5115 ARROYO ST, FAIR OAKS, CA 95628-5410
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 3, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 8, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Apr 6, 2021	Grant Deed, Transfer · FHA Mortgage SIERRA PACIFIC MORTGAGE CO INC
Nov 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage ERATES MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2021 · Amount on Record
Deed Sale	Apr 6, 2021 · Amount on Record
Prior Sale	Oct 25, 2005 · Amount on Record
Deed Book / Page	20210406 / 1018
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5115 ARROYO ST, FAIR OAKS, CA 95628-5410
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5115 ARROYO ST, FAIR OAKS, CA 95628-5410

Mortgage

Document Number	0000000037
Date	May 3, 2023
Instrument	202305030037

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	May 1, 2051

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 8, 2026
Property Address	5115 ARROYO ST, FAIR OAKS, CA 95628-5410
Document Number	2026000048
Book / Page	20260408 / 48
Instrument Date	Mar 11, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5115 ARROYO ST, FAIR OAKS, CA 95628-5410

Mortgage

Document Number	2026000048,
Date	Apr 8, 2026
Book Page	20260408/48

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2051

Interest

Rate	6.09%
Max Rate	-1%

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 6, 2021
Property Address	5115 ARROYO ST, FAIR OAKS, CA 95628-5410
Document Number	0000001018
Map Reference	MB 151 PG 23
Instrument Date	Apr 1, 2021
Instrument	202104061018
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5115 ARROYO ST, FAIR OAKS, CA 95628-5410

Mortgage

Document Number	0000001019
Date	Apr 6, 2021
Instrument	202104061019

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5115 ARROYO ST, FAIR OAKS, CA 95628-5410
Document Number	1711200827
Instrument Date	Nov 14, 2017
Transaction Type	Mortgage
Record Updated	Nov 27, 2017
Title Company	BOSTON NATIONAL TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5115 ARROYO ST FAIR OAKS CA 956285410, FAIR OAKS, CA 95628-5410

Mortgage

Document Number	1711200827
Date	Nov 20, 2017
Instrument	1711200827

Lender

Name	ERATES MTG
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 19, 2037

Tax Assessment & Valuation

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		$651,405 (+2%) Land $165,611 Building $485,794
2025	$9,806.00 (+1.67%)	$638,633 (+4.04%) Land $162,364 Building $476,269
2024	$9,645.00 (+29.15%)
2023	$7,468.00 (+0.36%)	$613,836 Land $156,060 Building $457,776
2022	$7,441.00

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

Flood

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

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

Wildfire Risk	Not rated no burnable land within ember reach

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.

Nearby Properties on Arroyo St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures