5539 Lowell St, Sacramento, CA 95820 Property Records

Sacramento County property record for 5539 Lowell St, Sacramento, CA 95820

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,330 sqft · built 1952
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$311,000 (Aug 2020)
Tax Bill	$4,066 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (reduced by levee)
APN	`023-0291-015-0000`

Property Details

APN / Parcel Number

Primary APN	`023-0291-015-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,330 sqft Living Area
1st Floor Area	850 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	L-Shape
Exterior Material	Wood Shingle
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Wood Shingle
Lot Area	4,792 sqft (0.11 acres)
Garage Area	276 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	5539 LOWELL ST
City	SACRAMENTO
State	CA
Zip	95820-6607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	COLONIAL VILLAGE 01, LOT 10
Legal Subdivision	COLONIAL VILLAGE 01
Legal Lot Number	10
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	2
Census Block	2006
Census Tract	3101

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	Individual Name on File
Mailing Address	5539 LOWELL ST, SACRAMENTO, CA 95820-6607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 12, 2020	Grant Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MTG
Oct 12, 2017	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
Oct 12, 2017	Grant Deed, Transfer · FHA Mortgage MASON MCDUFFIE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2020 · Amount on File
Deed Sale	Aug 12, 2020 · Amount on File
Prior Sale	Oct 12, 2017 · Amount on File
Deed Book / Page	20200812 / 1719
Prior Transfer Date	Oct 5, 2017
Prior Transfer Doc	2017001644
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5539 LOWELL ST, SACRAMENTO, CA 95820-6607
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5539 LOWELL ST, SACRAMENTO, CA 95820-6607
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001173
Date	Aug 13, 2021
Instrument	202108131173

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5539 LOWELL ST, SACRAMENTO, CA 95820-6607
Transaction Type	Mortgage
Record Updated	Aug 26, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5539 LOWELL ST, SACRAMENTO, CA 95820-6607

Mortgage

Document Number	8130000001173
Date	Aug 13, 2021
Book Page	20210813/1173

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 12, 2020
Property Address	5539 LOWELL ST, SACRAMENTO, CA 95820-6607
Document Number	2008121719
Instrument Date	Aug 7, 2020
Instrument	2008121719
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$342.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5539 LOWELL ST SACRAMENTO CA 958206607, SACRAMENTO, CA 95820-6607

Mortgage

Document Number	2008121720
Date	Aug 12, 2020
Instrument	2008121720

Lender

Name	AMERICAN PACIFIC MTG
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 11, 2050

Mortgage

Document Number	2008121721,
Date	Aug 12, 2020
Instrument	2008121721

Lender

Name	AMERICAN PACIFIC MTG
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 11, 2050

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 12, 2017
Property Address	5539 LOWELL ST, SACRAMENTO, CA 95820-6607
Document Number	1710121644
Instrument Date	Oct 5, 2017
Instrument	1710121644
Transaction Type	Transfer
Record Updated	Oct 24, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	5539 LOWELL ST SACRAMENTO CA 958206607, SACRAMENTO, CA 95820-6607

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 12, 2017
Property Address	5539 LOWELL ST, SACRAMENTO, CA 95820-6607
Document Number	1710121643
Instrument Date	Oct 5, 2017
Instrument	1710121643
Transaction Type	Transfer
Record Updated	Oct 25, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$273.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	5539 LOWELL ST SACRAMENTO CA 958206607, SACRAMENTO, CA 95820-6607

Mortgage

Document Number	1710121645
Date	Oct 12, 2017
Instrument	1710121645

Lender

Name	MASON MCDUFFIE MTG
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 11, 2047

Mortgage

Document Number	1710121646,
Date	Oct 12, 2017
Instrument	1710121646

Lender

Name	MASON MCDUFFIE MTG
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$343,366 (+2%) Land $104,886 Building $238,480
2025	$4,066.00 (+1.42%)	$336,634 (+4.04%) Land $102,830 Building $233,804
2024	$4,009.00 (+2.43%)
2023	$3,914.00 (+1.72%)	$323,564 Land $98,838 Building $224,726
2022	$3,848.00

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	14 (1993–2025)
Claims Outside the SFHA	1 of 14
Most Recent Claim	Feb 2025 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 2 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 5 claims

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	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	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

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. 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 806 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 / 2,000
Verizon Fixed Wireless	1,000 / 75
unWired Broadband Fixed Wireless	400 / 50

May also be available: GeoLinks, T-Mobile.

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