5232 Ocean Ln, Elk Grove, CA 95757 Property Records

Sacramento County property record for 5232 Ocean Ln, Elk Grove, CA 95757

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,125 sqft · built 2017
Lot Size	0.095 acres (4,134 sqft)
Owner	2 Company Names on Record
Last Sale	$386,000 (May 2017)
Tax Bill	$7,748 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Sep 2025 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`132-1860-092-0000`

Property Details

APN / Parcel Number

Primary APN	`132-1860-092-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,125 sqft Living Area
1st Floor Area	919 sqft
2nd Floor Area	1,206 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	4,134 sqft (0.095 acres)
Garage Area	424 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5232 OCEAN LN
City	ELK GROVE
State	CA
Zip	95757-2541
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-7
Legal Description	MONTEREY VILLAGE, LOT 96
Legal Subdivision	MONTEREY VILLAGE
Legal Lot Number	96
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1021
Census Tract	9649

Owner

Source: Sacramento County records, as of August 12, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	5232 OCEAN LN, ELK GROVE, CA 95757-2541
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage SCHOOLSFIRST FEDERAL CREDIT UNION
Sep 18, 2025	Intrafamily Transfer, Transfer
Feb 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage SCHOOLSFIRST FCU
Sep 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage SCHOOLS FIN'L CU
May 30, 2017	Grant Deed, Transfer FIRST AMERICAN TITLE
Jan 20, 2017	Grant Deed, Transfer · Conventional Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2017 · Amount on Record
Deed Sale	May 30, 2017 · Amount on Record
Prior Sale	Jan 20, 2017 · Amount on Record
Deed Book / Page	20170530 / 933
Last Transfer Date	Sep 11, 2025
Transfer Doc	2025000204
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 6, 2026
Property Address	5232 OCEAN LN, ELK GROVE, CA 95757-2541
Document Number	2026000586
Book / Page	20260806 / 586
Instrument Date	Jul 28, 2026
Transaction Type	Mortgage
Record Updated	Aug 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	5232 OCEAN LN, ELK GROVE, CA 95757-2541

Mortgage

Document Number	2026000586,
Date	Aug 6, 2026
Book Page	20260806/586

Lender

Name	SCHOOLSFIRST FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 3, 2041

Interest

Rate Type	Fixed Rate
Rate	5.79%
Initial Type	Fixed Rate
Max Rate	-1%

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 18, 2025
Property Address	5232 OCEAN LN, ELK GROVE, CA 95757-2541
Document Number	0000000204
Map Reference	MB 352 PG 10
Instrument Date	Sep 11, 2025
Instrument	202509180204
Transaction Type	Transfer
Record Updated	Oct 1, 2025

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	5232 OCEAN LN, ELK GROVE, CA 95757-2541

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5232 OCEAN LN, ELK GROVE, CA 95757-2541
Transaction Type	Mortgage
Record Updated	Feb 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5232 OCEAN LN, ELK GROVE, CA 95757-2541

Mortgage

Document Number	0000001813
Date	Feb 14, 2022
Instrument	2022021401813

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5232 OCEAN LN, ELK GROVE, CA 95757-2541
Document Number	1909301455
Instrument Date	Sep 24, 2019
Transaction Type	Mortgage
Record Updated	Oct 11, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5232 OCEAN LN ELK GROVE CA 957572541, ELK GROVE, CA 95757-2541

Mortgage

Document Number	1909301455
Date	Sep 30, 2019
Instrument	1909301455

Lender

Name	SCHOOLS FIN'L CU
Type	Credit Union
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2049

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 30, 2017
Property Address	5232 OCEAN LN, ELK GROVE, CA 95757-2541
Document Number	0000000933
Book / Page	170530 / 000933
Instrument Date	May 26, 2017
Transaction Type	Transfer
Record Updated	Jun 8, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$424.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4112 OCEAN LN ELK GROVE CA 957572553, ELK GROVE, CA 95757-2553

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jan 20, 2017
Property Address	5232 OCEAN LN, ELK GROVE, CA 95757-2541
Document Number	0000001034
Book / Page	170120 / 001034
Instrument Date	Jan 20, 2017
Transaction Type	Transfer
Record Updated	Jan 30, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$438.90
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5232 OCEAN LN ELK GROVE CA 957572541, ELK GROVE, CA 95757-2541

Mortgage

Document Number	1035
Date	Jan 20, 2017
Book Page	170120/001035

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 19, 2047

Tax Assessment & Valuation

Source: Sacramento County assessment roll, as of July 22, 2026

Property Jurisdictions

Type	Name
State	California
County	Sacramento County
Municipality	Elk Grove City
Unified School District	Elk Grove Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$472,167 (+2%) Land $118,377 Building $353,790
2025	$7,748.00 (+0.91%)	$462,909 (+4.04%) Land $116,056 Building $346,853
2024	$7,678.00 (+2.59%)
2023	$7,484.00 (+2.03%)	$444,935 Land $111,550 Building $333,385
2022	$7,335.00

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
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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	Moderate above 42% of the US · lower than 75% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SCWA - LAGUNA/VINEYARD serves 188,417 people · EPA ID CA3410029
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	1 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 929 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Fidium Fiber Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
DigitalPath Fixed Wireless	200 / 20

May also be available: GeoLinks, Verizon.

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