Sacramento County property record for 643 Regency Cir, Sacramento, CA 95864
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,086 sqft · built 1970 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | Company Name on File |
| Last Sale | $685,000 (Sep 2017) |
| Tax Bill | $9,489 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Mar 2024 Transfer + 4 more |
| Flood Zone | Zone X (reduced by levee) |
| APN | 292-0381-015-0000 |
| Primary APN | 292-0381-015-0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,086 sqft Living Area |
| 1st Floor Area | 2,086 sqft |
| Family Room | Family Room |
| Utility Room | Utility Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Area | 633 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 10,100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 643 REGENCY CIR |
|---|---|
| City | SACRAMENTO |
| State | CA |
| Zip | 95864-6178 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RD-4 |
| Legal Description | DEL DAYO ESTATES 13, LOT 91 |
| Legal Subdivision | DEL DAYO ESTATES 13 |
| Legal Lot Number | 91 |
| Jurisdiction | SACRAMENTO CA |
| Township / Civil Division | SACRAMENTO |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 5803 |
Source: Sacramento County records · APN 292-0381-015-0000
Assessment roll updated July 22, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 643 REGENCY CIR, SACRAMENTO, CA 95864-6178 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
| Date | Document |
|---|---|
| Oct 15, 2025 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Mar 20, 2024 | Intrafamily Transfer, Transfer |
| Dec 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Apr 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Sep 29, 2017 | Grant Deed, Transfer SUMMIT FNDG |
| Jul 07, 2017 | Affidavit of Death, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 29, 2017 · Amount on Record |
| Deed Sale | Sep 29, 2017 · Amount on Record |
| Deed Book / Page | 20170929 / 1231 |
| Last Transfer Date | Aug 26, 2022 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 643 REGENCY CIR, SACRAMENTO, CA 95864-6178 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2026 |
| Title Company | TITLE365 COMPANY |
| Name | Verified Name |
|---|---|
| Address | 643 REGENCY CIR, SACRAMENTO, CA 95864-6178 |
| Document Number | 0000000369 |
|---|---|
| Date | Oct 15, 2025 |
| Instrument | 202510150369 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 09, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Recording Date | Mar 20, 2024 |
| Property Address | 643 REGENCY CIR, SACRAMENTO, CA 95864-6178 |
| Document Number | 0000000117 |
| Map Reference | MB 78 MAP 13 |
| Instrument Date | Aug 26, 2022 |
| Instrument | 202403200117 |
| Transaction Type | Transfer |
| Record Updated | Apr 01, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Living Trust |
| Address | 643 REGENCY CIR, SACRAMENTO, CA 95864-6178 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 643 REGENCY CIR, SACRAMENTO, CA 95864-6178 |
| Document Number | 2101250110 |
| Instrument Date | Dec 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 08, 2021 |
| Title Company | AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO. |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 643 REGENCY CIR SACRAMENTO CA 958646178, SACRAMENTO, CA 95864-6178 |
| Document Number | 2101250110 |
|---|---|
| Date | Jan 25, 2021 |
| Instrument | 2101250110 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 24, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 643 REGENCY CIR, SACRAMENTO, CA 95864-6178 |
| Document Number | 2004230450 |
| Instrument Date | Apr 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2020 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 643 REGENCY CIR SACRAMENTO CA 958646178, SACRAMENTO, CA 95864-6178 |
| Document Number | 2004230450 |
|---|---|
| Date | Apr 23, 2020 |
| Instrument | 2004230450 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 22, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Recording Date | Sep 29, 2017 |
| Property Address | 643 REGENCY CIR, SACRAMENTO, CA 95864-6178 |
| Document Number | 1709291231 |
| Instrument Date | Sep 27, 2017 |
| Instrument | 1709291231 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $753.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 643 REGENCY CIR SACRAMENTO CA 958646178, SACRAMENTO, CA 95864-6178 |
| Document Number | 1709291232 |
|---|---|
| Date | Sep 29, 2017 |
| Instrument | 1709291232 |
| Name | SUMMIT FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | SACRAMENTO, CA 95815 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 28, 2047 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Recording Date | Jul 07, 2017 |
| Property Address | 643 REGENCY CIR, SACRAMENTO, CA 95864-6178 |
| Document Number | 1707070408 |
| Instrument Date | Jun 20, 2017 |
| Instrument | 1707070408 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2046 ISABEL VIRGINIA DR TRACY CA 953772281, TRACY, CA 95377-2281 |
Source: Sacramento County records · Assessment roll updated July 22, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Sacramento County |
| Unified School District | San Juan Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $794,998 (+2%) Land $319,160 Building $475,838 | |
| 2025 | $9,489.00 (+0.95%) | $779,410 (+4.04%) Land $312,902 Building $466,508 |
| 2024 | $9,400.00 (+2.56%) | |
| 2023 | $9,165.00 (+0.55%) | $749,146 Land $300,752 Building $448,394 |
| 2022 | $9,115.00 |
Source: FEMA National Flood Hazard Layer as of September 29, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X reduced by levee · depends on levee performance |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 97 policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 97 in force |
| Nearby Flood Claims | 8 (1991–1998) |
| Claims Outside the SFHA | 3 of 8 |
| Most Recent Claim | Feb 1998 · Severe Winter Storms And Flooding |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Consolidated Communications Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Succeed.Net.
Based on FCC filings for 240 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SACRAMENTO SUBURBAN WATER DISTRICT serves 194,444 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Apr 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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