5904 Dutchess Ct, Fair Oaks, CA 95628 Property Records

Sacramento County property record for 5904 Dutchess Ct, Fair Oaks, CA 95628

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,826 sqft · built 1977
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$630,000 (Oct 2022)
Tax Bill	$7,970 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Oct 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`261-0030-033-0000`

Property Details

APN / Parcel Number

Primary APN	`261-0030-033-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,826 sqft Living Area
1st Floor Area	1,826 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	L-Shape
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	13,504 sqft (0.31 acres)
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Pool Area	8,000 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	5904 DUTCHESS CT
City	FAIR OAKS
State	CA
Zip	95628-2509
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	SUNGARDEN, LOT 33
Legal Subdivision	SUNGARDEN
Legal Lot Number	33
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	2
Census Block	2001
Census Tract	8122

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5904 DUTCHESS CT, FAIR OAKS, CA 95628-2509
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Oct 7, 2022	Grant Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Apr 5, 2022	Grant Deed, Transfer SPRUCE
Aug 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2022 · Amount on Record
Deed Sale	Oct 7, 2022 · Amount on Record
Prior Sale	Apr 5, 2022 · Amount on Record
Deed Book / Page	20221007 / 970
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5904 DUTCHESS CT, FAIR OAKS, CA 95628-2509
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5904 DUTCHESS CT, FAIR OAKS, CA 95628-2509

Mortgage

Document Number	0000000698
Date	Jan 20, 2026
Instrument	202601200698

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Nov 1, 2055

October 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 7, 2022
Property Address	5904 DUTCHESS CT, FAIR OAKS, CA 95628-2509
Document Number	0000000970
Map Reference	MB 102 MAP 2
Instrument Date	Sep 29, 2022
Instrument	2022100700970
Transaction Type	Transfer
Record Updated	Oct 21, 2022
Title Company	NOT AVAILABLE, SPRUCE

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants
Address	5904 DUTCHESS CT, FAIR OAKS, CA 95628-2509

Mortgage

Document Number	0000000971
Date	Oct 7, 2022
Instrument	2022100700971

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

April 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 5, 2022
Property Address	5904 DUTCHESS CT, FAIR OAKS, CA 95628-2509
Document Number	0000000793
Map Reference	MB 102 MAP 2
Instrument Date	Apr 4, 2022
Instrument	2022040500793
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	SPRUCE

Transaction

Amount	Amount Recorded
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	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5904 DUTCHESS CT, FAIR OAKS, CA 95628-2509
Document Number	2009080713
Instrument Date	Aug 31, 2020
Transaction Type	Mortgage
Record Updated	Sep 21, 2020
Title Company	STEWART TITLE, STEWART TITLE/SACRAMENTO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5904 DUTCHESS CT FAIR OAKS CA 956282509, FAIR OAKS, CA 95628-2509

Mortgage

Document Number	2009080713
Date	Sep 8, 2020
Instrument	2009080713

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 7, 2040

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		$668,560 (+2%) Land $159,181 Building $509,379
2025	$7,970.00 (+0.77%)	$655,452 (+4.04%) Land $156,060 Building $499,392
2024	$7,909.00 (+3%)
2023	$7,679.00 (+129.91%)	$630,000 Land $150,000 Building $480,000
2022	$3,340.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	3 (1995)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jan 1995 · Severe Winter Storms, Flooding, Landslides, Mud Flows
Claims by Event	Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 3 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	Low lower than 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 0.01% 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 584 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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