5320 Divot Cir, Fair Oaks, CA 95628 Property Records

Sacramento County property record for 5320 Divot Cir, Fair Oaks, CA 95628

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,860 sqft · built 1962
Lot Size	0.3 acres (13,068 sqft)
Owner	Company Name on File
Last Sale	$595,000 (Jul 2017)
Tax Bill	$8,231 (2025)
Deeds & Mortgages	Aug 2024 Line of Credit Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`233-0222-006-0000`

Property Details

APN / Parcel Number

Primary APN	`233-0222-006-0000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,860 sqft Living Area
1st Floor Area	1,248 sqft
2nd Floor Area	936 sqft
Bonus Room	Bonus Room
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	13,068 sqft (0.3 acres)
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces
Pool Area	12,500 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5320 DIVOT CIR
City	FAIR OAKS
State	CA
Zip	95628-3433
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	NORTHRIDGE CC ESTATES 02, LOT 20
Legal Subdivision	NORTHRIDGE CC ESTATES 02
Legal Lot Number	20
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1007
Census Tract	8007

Owner

Source: Sacramento County records, as of July 22, 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	Company Name on File
Mailing Address	5320 DIVOT CIR, FAIR OAKS, CA 95628-3433
Owner Type	Company
Vesting	Trust, Family Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2024	Deed of Trust, Mortgage · Line of Credit FREMONT BANK
Oct 6, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Jan 17, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 28, 2017	Grant Deed, Transfer · Conventional Mortgage PROVIDENT BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2017 · Amount on File
Deed Sale	Jul 28, 2017 · Amount on File
Deed Book / Page	20170728 / 1366
Last Transfer Date	Sep 30, 2021
Transfer Doc	2021000891
Record Updated	Sep 20, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5320 DIVOT CIR, FAIR OAKS, CA 95628-3433
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5320 DIVOT CIR, FAIR OAKS, CA 95628-3433
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000617
Date	Aug 23, 2024
Instrument	202408230617

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 6, 2021
Property Address	5320 DIVOT CIR, FAIR OAKS, CA 95628-3433
Document Number	2021100600891
Map Reference	MB 64 MAP 35
Instrument Date	Sep 30, 2021
Instrument	2021100600891
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	LENNAR TITLE

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
Relationship	Family Revocable Trust
Address	5320 DIVOT CIR, FAIR OAKS, CA 95628-3433
Investor	Possibly a Property Investor

Mortgage

Document Number	2021100600892
Date	Oct 6, 2021
Instrument	2021100600892

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jan 17, 2020
Property Address	5320 DIVOT CIR, FAIR OAKS, CA 95628-3433
Document Number	2001170733
Instrument Date	Dec 9, 2019
Instrument	2001170733
Transaction Type	Transfer
Record Updated	Jan 31, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5320 DIVOT CIR FAIR OAKS CA 956283433, FAIR OAKS, CA 95628-3433

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 28, 2017
Property Address	5320 DIVOT CIR, FAIR OAKS, CA 95628-3433
Document Number	1707281366
Instrument Date	Jun 22, 2017
Instrument	1707281366
Transaction Type	Transfer
Record Updated	Aug 23, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$654.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	5320 DIVOT CIR FAIR OAKS CA 956283433, FAIR OAKS, CA 95628-3433

Mortgage

Document Number	1707281367
Date	Jul 28, 2017
Instrument	1707281367

Lender

Name	PROVIDENT BK
Type	Bank
Address	RIVERSIDE, CA 92506

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 27, 2047

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		$690,542 (+2%) Land $127,661 Building $562,881
2025	$8,231.00 (+0.76%)	$677,003 (+4.04%) Land $125,158 Building $551,845
2024	$8,169.00 (+3%)
2023	$7,931.00 (+0.37%)	$650,716 Land $120,299 Building $530,417
2022	$7,902.00

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	3 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	Low lower than 94% of the US · lower than 96% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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	CITRUS HEIGHTS WATER DISTRICT serves 67,818 people · EPA ID CA3410006
Water Source	Purchased surface water from SAN JUAN WATER DISTRICT
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2022–2024) 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 200 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Succeed.Net.

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