5909 Dutchess Ct, Fair Oaks, CA 95628 Property Records

Sacramento County property record for 5909 Dutchess Ct, Fair Oaks, CA 95628

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,279 sqft · built 1978
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$417,000 (Apr 2016)
Tax Bill	$3,909 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`261-0030-029-0000`

Property Details

APN / Parcel Number

Primary APN	`261-0030-029-0000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,279 sqft Living Area
1st Floor Area	1,421 sqft
2nd Floor Area	858 sqft
Bonus Room	Bonus Room
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	10,454 sqft (0.24 acres)
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5909 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 29
Legal Subdivision	SUNGARDEN
Legal Lot Number	29
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	2
Census Block	2001
Census Tract	8122

Owner

Source: Sacramento County records, as of September 3, 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	5909 DUTCHESS CT, FAIR OAKS, CA 95628-2509
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2022	Deed of Trust, Mortgage · Line of Credit PROVIDENT CU
Feb 24, 2020	Deed of Trust, Mortgage · VA Mortgage EXCELERATE CAP
Jun 11, 2019	Deed of Trust, Mortgage · VA Mortgage AMWEST FNDG CORP
Dec 1, 2017	Deed of Trust, Mortgage · VA Mortgage AMWEST FNDG CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2016 · Amount on Record
Deed Sale	Apr 5, 2016 · Amount on Record
Deed Book / Page	20160405 / 1405
Prior Transfer Date	Nov 17, 1998
Prior Transfer Doc	9812000718
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5909 DUTCHESS CT, FAIR OAKS, CA 95628-2509
Transaction Type	Mortgage
Record Updated	Oct 5, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5909 DUTCHESS CT, FAIR OAKS, CA 95628-2509

Mortgage

Document Number	0000000613
Date	Sep 23, 2022
Instrument	2022092300613

Lender

Name	PROVIDENT CU
Type	Credit Union
Address	REDWOOD CITY, CA 94065

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5909 DUTCHESS CT, FAIR OAKS, CA 95628-2509
Document Number	2002280686
Instrument Date	Feb 24, 2020
Transaction Type	Mortgage
Record Updated	Mar 17, 2020
Title Company	STEWART TITLE, STEWART TITLE/SACRAMENTO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5909 DUTCHESS CT FAIR OAKS CA 956282509, FAIR OAKS, CA 95628-2509

Mortgage

Document Number	2002280686
Date	Feb 28, 2020
Instrument	2002280686

Lender

Name	EXCELERATE CAP
Address	NEWPORT BEACH, CA 92660

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5909 DUTCHESS CT, FAIR OAKS, CA 95628-2509
Document Number	1906191325
Instrument Date	Jun 11, 2019
Transaction Type	Mortgage
Record Updated	Jul 2, 2019
Title Company	STEWART TITLE, STEWART TITLE/SACRAMENTO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5909 DUTCHESS CT FAIR OAKS CA 956282509, FAIR OAKS, CA 95628-2509

Mortgage

Document Number	1906191325
Date	Jun 19, 2019
Instrument	1906191325

Lender

Name	AMWEST FNDG CORP
Address	BREA, CA 92821

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2049

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5909 DUTCHESS CT, FAIR OAKS, CA 95628-2509
Document Number	1712071454
Instrument Date	Dec 1, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5909 DUTCHESS CT FAIR OAKS CA 956282509, FAIR OAKS, CA 95628-2509

Mortgage

Document Number	1712071454
Date	Dec 7, 2017
Instrument	1712071454

Lender

Name	AMWEST FNDG CORP
Address	BREA, CA 92821

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 6, 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		$503,506 (+2%) Land $96,592 Building $406,914
2025	$3,909.00 (+0.13%)	$493,635 (+4.04%) Land $94,699 Building $398,936
2024	$3,904.00 (+1.24%)
2023	$3,856.00 (-2.11%)	$474,469 Land $91,023 Building $383,446
2022	$3,939.00

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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