641 Naruth Way, Sacramento, CA 95838 Property Records

Sacramento County property record for 641 Naruth Way, Sacramento, CA 95838

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,134 sqft · built 1981
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$84,000 (Jun 2009)
Tax Bill	$1,532 (2025)
Deeds & Mortgages	Aug 2023 Second Mortgage Feb 2019 Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`237-0120-025-0000`

Property Details

APN / Parcel Number

Primary APN	`237-0120-025-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,134 sqft Living Area
1st Floor Area	1,134 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Custom Design
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	641 NARUTH WAY
City	SACRAMENTO
State	CA
Zip	95838-2654
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	WESTGATE 02, LOT 6
Legal Subdivision	WESTGATE 02
Legal Lot Number	6
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1001
Census Tract	6704

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	Individual Name on Record
Mailing Address	641 NARUTH WAY, SACRAMENTO, CA 95838-2654
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SCHOOLSFIRST FCU
Feb 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage SCHOOLS FIN'L CU
Feb 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2009 · Amount on Record
Deed Sale	Jun 2, 2009 · Amount on Record
Prior Sale	Dec 21, 2007 · Amount on Record
Deed Book / Page	20090602 / 704
Prior Transfer Date	May 20, 2009
Prior Transfer Doc	0000000702
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	641 NARUTH WAY, SACRAMENTO, CA 95838-2654
Transaction Type	Mortgage
Record Updated	Aug 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 NARUTH WAY, SACRAMENTO, CA 95838-2654

Mortgage

Document Number	0000000001
Date	Aug 21, 2023
Instrument	202308210001

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 16, 2038

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	641 NARUTH WAY, SACRAMENTO, CA 95838-2654
Document Number	1903040999
Instrument Date	Feb 25, 2019
Transaction Type	Mortgage
Record Updated	Mar 15, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	641 NARUTH WAY SACRAMENTO CA 958382654, SACRAMENTO, CA 95838-2654

Mortgage

Document Number	1903040999
Date	Mar 4, 2019
Instrument	1903040999

Lender

Name	SCHOOLS FIN'L CU
Type	Credit Union
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 3, 2034

Interest

Rate Type	Adjustable Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	641 NARUTH WAY, SACRAMENTO, CA 95838-2654
Document Number	1802280123
Instrument Date	Feb 3, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	641 NARUTH WAY SACRAMENTO CA 958382654, SACRAMENTO, CA 95838-2654

Mortgage

Document Number	1802280123
Date	Feb 28, 2018
Instrument	1802280123

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2048

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
Secondary School District	Twin Rivers Unified School District (7-12) (07 - 12)
Elementary School District	Robla Elementary School District (KG - 06)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$110,316 (+2%) Land $39,395 Building $70,921
2025	$1,532.00 (+3.79%) Homeowner's exemption	$108,154 (+4.04%) Land $38,623 Building $69,531
2024	$1,476.00 (-2.57%)
2023	$1,515.00 (+5.57%) Homeowner's exemption	$103,956 Land $37,124 Building $66,832
2022	$1,435.00

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	5 in force

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
unWired Broadband Fixed Wireless	400 / 50
Succeed.Net Fixed Wireless	100 / 50
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile.

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