5501 McKay St, Fair Oaks, CA 95628 Property Records

Sacramento County property record for 5501 McKay St, Fair Oaks, CA 95628

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,768 sqft · built 1958
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$530,000 (Apr 2022)
Tax Bill	$6,833 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`249-0051-008-0000`

Property Details

APN / Parcel Number

Primary APN	`249-0051-008-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,768 sqft Living Area
Gross Area	2,272 sqft
1st Floor Area	1,616 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Pool Area	28,000 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Solar

Location & Zoning

Street Address	5501 MCKAY ST
City	FAIR OAKS
State	CA
Zip	95628-2823
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	LOT 19 BELLA VISTA MEADOWS EXC N 2 FT
Legal Subdivision	BELLA VISTA MDWS
Legal Lot Number	19
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	3
Census Block	3009
Census Tract	8122

Owner

5501 McKay St is owned and occupied by two individuals who bought it in April 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	5501 MCKAY ST, FAIR OAKS, CA 95628-2823
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
Apr 14, 2022	Grant Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Dec 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2022 · Amount on File
Deed Sale	Apr 14, 2022 · Amount on File
Prior Sale	Oct 29, 2015 · Amount on File
Deed Book / Page	20220414 / 900
Prior Transfer Date	Feb 12, 1996
Prior Transfer Doc	9604000535
Record Updated	Oct 29, 2026

April 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 14, 2022
Property Address	5501 MCKAY ST, FAIR OAKS, CA 95628-2823
Document Number	0000000900
Map Reference	MB 47 PG 11
Instrument Date	Apr 6, 2022
Instrument	2022041400900
Transaction Type	Transfer
Record Updated	Aug 17, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
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
Address	5501 MCKAY ST, FAIR OAKS, CA 95628-2823

Mortgage

Document Number	0000000901
Date	Apr 14, 2022
Instrument	2022041400901

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5501 MCKAY ST, FAIR OAKS, CA 95628-2823
Document Number	2012290419
Instrument Date	Dec 16, 2020
Transaction Type	Mortgage
Record Updated	Jan 13, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	5501 MCKAY ST FAIR OAKS CA 956282823, FAIR OAKS, CA 95628-2823

Mortgage

Document Number	2012290419
Date	Dec 29, 2020
Instrument	2012290419

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 28, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5501 McKay St was $6,833, 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		$573,688 (+2%) Land $151,540 Building $422,148
2025	$6,833.00 (+0.77%)	$562,440 Land $148,569 Building $413,871
2024	$6,781.00 (+2.99%)
2023	$6,584.00 (+48.99%)	$540,600 Land $142,800 Building $397,800
2022	$4,419.00

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

Flood

FEMA maps place 5501 McKay St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1992.

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	4 (1992–1996)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Apr 1996 · river or lake flooding

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

The area around 5501 McKay St has no burnable land within ember reach, so its wildfire risk is not rated.

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 541 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Succeed.Net.

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