Sacramento County property record for 520 Harding Ave, Sacramento, CA 95833
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,000 sqft · built 1958 |
| Lot Size | 0.94 acres (40,946 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,363 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit |
| Flood Zone | Zone A99 (high risk) |
| APN | 274-0152-007-0000 |
| Primary APN | 274-0152-007-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,000 sqft Living Area |
| 1st Floor Area | 1,000 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 40,946 sqft (0.94 acres) |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 520 HARDING AVE |
|---|---|
| City | SACRAMENTO |
| State | CA |
| Zip | 95833-2500 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | GARDENLAND, LOT 62 |
| Legal Subdivision | GARDENLAND 01 |
| Legal Lot Number | 62 |
| Jurisdiction | SACRAMENTO CA |
| Township / Civil Division | SACRAMENTO |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 7001 |
520 Harding Ave is owned and occupied by two individuals who acquired it in April 2004.
Source: Sacramento County records, as of July 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 520 HARDING AVE, SACRAMENTO, CA 95833-2500 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 9, 2004 |
| Transfer Doc | 2004001896 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 520 HARDING AVE, SACRAMENTO, CA 95833-2500 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2025 |
| Name | Verified Name |
|---|---|
| Address | 520 HARDING AVE AVC, SACRAMENTO, CA 95833-2500 |
| Document Number | 0000000638 |
|---|---|
| Date | Sep 23, 2025 |
| Instrument | 202509230638 |
| Name | UNDERWOOD LAW FIRM PC |
|---|---|
| Type | Non-Lending Institution |
| Address | REDONDO BEACH, CA 90278 |
| Type | Line of Credit |
|---|
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 520 Harding Ave was $4,363, up 17.5% from the year before.
Source: Sacramento County assessment roll, as of July 22, 2026
| Type | Name |
|---|---|
| State | California |
| County | Sacramento County |
| Municipality | Sacramento City |
| Unified School District | Twin Rivers Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $351,222 (+2%) Land $201,774 Building $149,448 | |
| 2025 | $4,363.00 (+17.51%) | $344,336 Land $197,818 Building $146,518 |
| 2024 | $3,713.00 (-14.96%) | |
| 2023 | $4,366.00 (+320.62%) Homeowner's exemption | $289,805 Land $155,451 Building $134,354 |
| 2022 | $1,038.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 520 Harding Ave 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 102 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 102 in force |
| Nearby Flood Claims | 5 (1996–2023) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 risk around 520 Harding Ave is low, with 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 98% of the US · lower than 98.4% of California |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 370 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Fidium Fiber Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 1,000 / 75 |
| Succeed.Net Fixed Wireless | 100 / 50 |
May also be available: T-Mobile, unWired Broadband.
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