5351 Divot Cir, Fair Oaks, CA 95628 Property Records

Sacramento County property record for 5351 Divot Cir, Fair Oaks, CA 95628

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,494 sqft · built 1977
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$405,000 (Apr 2016)
Tax Bill	$5,766 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit Sep 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`233-0221-007-0000`

Property Details

APN / Parcel Number

Primary APN	`233-0221-007-0000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,494 sqft Living Area
1st Floor Area	811 sqft
2nd Floor Area	2,683 sqft
Bonus Room	Bonus Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	H-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	10,454 sqft (0.24 acres)
Garage Area	782 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5351 DIVOT CIR
City	FAIR OAKS
State	CA
Zip	95628-3432
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	NORTHRIDGE CC ESTATES 02, LOT 29
Legal Subdivision	NORTHRIDGE CC ESTATES 02
Legal Lot Number	29
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1017
Census Tract	8007

Owner

5351 Divot Cir is owned and occupied by two individuals who bought it in April 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	5351 DIVOT CIR, FAIR OAKS, CA 95628-3432
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 10, 2021	Deed of Trust, Mortgage · Line of Credit SAFE CU
Sep 22, 2023	Deed of Trust, Mortgage · Line of Credit SAFE CU
Jun 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROYAL PACIFIC FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2016 · Amount on File
Deed Sale	Apr 12, 2016 · Amount on File
Prior Sale	Jun 14, 2002 · Amount on File
Deed Book / Page	0160412 / 1385
Prior Transfer Date	Mar 5, 2012
Prior Transfer Doc	0000000691
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5351 DIVOT CIR, FAIR OAKS, CA 95628-3432
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5351 DIVOT CIR, FAIR OAKS, CA 95628-3432

Mortgage

Document Number	0000001663
Date	Feb 10, 2021
Instrument	202102101663

Lender

Name	SAFE CU
Type	Credit Union
Address	FOLSOM, CA 95630

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 5, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5351 DIVOT CIR, FAIR OAKS, CA 95628-3432
Transaction Type	Mortgage
Record Updated	Oct 3, 2023
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5351 DIVOT CIR, FAIR OAKS, CA 95628-3432

Mortgage

Document Number	0000000250
Date	Sep 22, 2023
Instrument	202309220250

Lender

Name	SAFE CU
Type	Credit Union
Address	FOLSOM, CA 95630

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 5, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5351 DIVOT CIR, FAIR OAKS, CA 95628-3432
Document Number	2006091469
Instrument Date	Jun 3, 2020
Transaction Type	Mortgage
Record Updated	Jun 19, 2020
Title Company	STEWART TITLE, STEWART TITLE/SACRAMENTO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5351 DIVOT CIR FAIR OAKS CA 956283432, FAIR OAKS, CA 95628-3432

Mortgage

Document Number	2006091469
Date	Jun 9, 2020
Instrument	2006091469

Lender

Name	ROYAL PACIFIC FNDG
Type	Funding / Finance Company
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 8, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 5351 Divot Cir was $5,766 with a homeowner's exemption, up 0.8% from the year before.

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		$489,020 (+2%) Land $120,744 Building $368,276
2025	$5,766.00 (+0.79%) Homeowner's exemption	$479,432 Land $118,377 Building $361,055
2024	$5,721.00 (+3.03%)
2023	$5,553.00 (+0.4%) Homeowner's exemption	$460,817 Land $113,781 Building $347,036
2022	$5,531.00

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

Flood

FEMA maps place 5351 Divot Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1996.

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

Wildfire risk around 5351 Divot Cir is low, with a 0.02% annual chance of 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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