60 Cognac Cir, Sacramento, CA 95835 Property Records

Sacramento County property record for 60 Cognac Cir, Sacramento, CA 95835

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,877 sqft · built 2002
Lot Size	0.123 acres (5,355 sqft)
Owner	2 Trust Names on File
Last Sale	$440,000 (Apr 2016)
Tax Bill	$6,739 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Jul 2026 Sale + 3 more
Flood Zone	Zone A99 (high risk)
APN	`225-1570-042-0000`

Property Details

APN / Parcel Number

Primary APN	`225-1570-042-0000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,877 sqft Living Area
1st Floor Area	1,379 sqft
2nd Floor Area	1,498 sqft
Bonus Room	Bonus Room
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	5,355 sqft (0.123 acres)
Garage Area	646 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	60 COGNAC CIR
City	SACRAMENTO
State	CA
Zip	95835-2034
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A-PUD
Legal Description	WESTBOROUGH VLG 01 PH 02, LOT 12
Legal Subdivision	WESTBOROUGH VLG 01 PH 02
Legal Lot Number	12
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1012
Census Tract	7107

Owner

60 Cognac Cir is held in a trust since April 2016.

Source: Sacramento County records, as of October 6, 2026

Owner of Record	2 Trust Names on File
Mailing Address	60 COGNAC CIR, SACRAMENTO, CA 95835-2034
Owner Type	Company
Vesting	Trust, Revocable Living Trust

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
Sep 28, 2026	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CREDIT UNION
Jul 9, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Jun 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jun 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Oct 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage COMMERCIAL BK/CA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2016 · Amount on File
Deed Sale	Apr 27, 2016 · Amount on File
Prior Sale	Nov 13, 2002 · Amount on File
Deed Book / Page	20160427 / 966
Prior Transfer Date	May 3, 2011
Prior Transfer Doc	0000000257
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 28, 2026
Property Address	60 COGNAC CIR, SACRAMENTO, CA 95835-2034
Document Number	2026000087
Book / Page	20260928 / 87
Instrument Date	Sep 21, 2026
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust, 189
Address	60 COGNAC CIR, SACRAMENTO, CA 95835-2034
Investor	Possibly a Property Investor

Mortgage

Document Number	2026000087,
Date	Sep 28, 2026
Book Page	20260928/87

Lender

Name	QUORUM FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 9, 2026
Property Address	60 COGNAC CIR, SACRAMENTO, CA 95835-2034
Document Number	2026000640
Book / Page	20260709 / 640
Instrument Date	Jul 7, 2026
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	60 COGNAC CIR, SACRAMENTO, CA 95835-2034

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	60 COGNAC CIR, SACRAMENTO, CA 95835-2034
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	60 COGNAC CIR, SACRAMENTO, CA 95835-2034
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000775
Date	Jun 21, 2021
Instrument	202106210775

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2041

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	60 COGNAC CIR, SACRAMENTO, CA 95835-2034
Transaction Type	Mortgage
Record Updated	Jul 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	60 COGNAC CIR, SACRAMENTO, CA 95835-2034

Mortgage

Document Number	6210000000775
Date	Jun 21, 2021
Book Page	20210621/775

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2041

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	60 COGNAC CIR, SACRAMENTO, CA 95835-2034
Document Number	1710250226
Instrument Date	Oct 18, 2017
Transaction Type	Mortgage
Record Updated	Nov 1, 2017
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5647 AYALA WAY SACRAMENTO CA 958352401, SACRAMENTO, CA 95835-2401

Mortgage

Document Number	1710250226
Date	Oct 25, 2017
Instrument	1710250226

Lender

Name	COMMERCIAL BK/CA
Type	Bank
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 60 Cognac Cir was $6,739, down 10.6% from the year before.

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	Natomas Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$537,905 (+2%) Land $120,744 Building $417,161
2025	$6,739.00 (-10.65%)	$527,359 Land $118,377 Building $408,982
2024	$7,542.00 (+3.46%)
2023	$7,290.00 (+2.17%)	$506,882 Land $113,781 Building $393,101
2022	$7,135.00

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

Flood

FEMA maps place 60 Cognac Cir in Zone A99, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 29, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A99 high risk · federal flood protection under construction
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 507 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	507 in force
Nearby Flood Claims	41 (1980–2021)
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 9 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 6 claims Severe Storms & Flooding, Feb 1986 · 7 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

Wildfire risk around 60 Cognac Cir is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 73% of California
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
unWired Broadband Fixed Wireless	400 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Cal.net, Fidium Fiber, Succeed.Net.

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