61 Cognac Cir, Sacramento, CA 95835 Property Records

Sacramento County property record for 61 Cognac Cir, Sacramento, CA 95835

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,100 sqft · built 2002
Lot Size	0.13 acres (5,670 sqft)
Owner	2 Individual Names on File
Last Sale	$427,000 (Jun 2004)
Tax Bill	$7,527 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Feb 2018 Mortgage
Flood Zone	Zone A99 (high risk)
APN	`225-1570-033-0000`

Property Details

APN / Parcel Number

Primary APN	`225-1570-033-0000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,100 sqft Living Area
1st Floor Area	2,100 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	5,670 sqft (0.13 acres)
Garage Area	375 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	61 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 3
Legal Subdivision	WESTBOROUGH VLG 01 PH 02
Legal Lot Number	3
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1011
Census Tract	7107

Owner

61 Cognac Cir is owned and occupied by two individuals who bought it in June 2004.

Source: Sacramento County records, as of September 3, 2026

Owner of Record	2 Individual Names on File
Mailing Address	61 COGNAC CIR, SACRAMENTO, CA 95835-2034
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jan 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Feb 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage EL DORADO SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2004 · Amount on File
Deed Sale	Jun 7, 2004 · Amount on File
Prior Sale	Mar 12, 2004 · Amount on File
Deed Book / Page	20040607 / 2145
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	61 COGNAC CIR, SACRAMENTO, CA 95835-2034
Transaction Type	Mortgage
Record Updated	Jan 14, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	61 COGNAC CIR, SACRAMENTO, CA 95835-2034

Mortgage

Document Number	0000001234
Date	Jan 3, 2022
Instrument	2022010301234

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2037

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	61 COGNAC CIR, SACRAMENTO, CA 95835-2034
Document Number	1802270903
Instrument Date	Feb 21, 2018
Transaction Type	Mortgage
Record Updated	Mar 8, 2018
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	61 COGNAC CIR SACRAMENTO CA 958352034, SACRAMENTO, CA 95835-2034

Mortgage

Document Number	1802270903
Date	Feb 27, 2018
Instrument	1802270903

Lender

Name	EL DORADO SVGS BK
Type	Federal Savings Bank
Address	PLACERVILLE, CA 95667

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 26, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 61 Cognac Cir was $7,527 with a homeowner's exemption, down 1% 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		$615,605 (+2%) Land $217,526 Building $398,079
2025	$7,527.00 (-10.04%) Homeowner's exemption	$603,535 Land $213,261 Building $390,274
2024	$8,367.00 (+13.68%)
2023	$7,360.00 (+0.53%) Homeowner's exemption	$520,000 Land $130,000 Building $390,000
2022	$7,321.00

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

Flood

FEMA maps place 61 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 61 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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