6445 Romack Cir, Sacramento, CA 95822 Property Records

Sacramento County property record for 6445 Romack Cir, Sacramento, CA 95822

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 940 sqft · built 1959
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$217,000 (Mar 2018)
Tax Bill	$3,115 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Mar 2021 Mortgage + 4 more
Flood Zone	Zone X (reduced by levee)
APN	`035-0142-014-0000`

Property Details

APN / Parcel Number

Primary APN	`035-0142-014-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	940 sqft Living Area
1st Floor Area	940 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	L-Shape
Exterior Material	Wood
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	6445 ROMACK CIR
City	SACRAMENTO
State	CA
Zip	95822-3844
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-EA-4
Legal Description	GOLF COURSE TERRACE 21, LOT 132
Legal Subdivision	GOLF COURSE TERRACE 21
Legal Lot Number	132
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1007
Census Tract	3800

Owner

6445 Romack Cir is owned by an individual who bought it in March 2018.

Source: Sacramento County records, as of July 22, 2026

Owner of Record	Individual Name on File
Mailing Address	5710 71ST ST, SACRAMENTO, CA 95824-2112
Owner Type	Individual
Vesting	Sole Owner

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
Jul 14, 2026	Deed of Trust, Mortgage · Line of Credit GOLDEN 1 CREDIT UNION
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 4, 2019	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC
Mar 6, 2018	Grant Deed, Transfer · FHA Mortgage SYNERGY ONE LNDG
Mar 6, 2018	Quit Claim Deed, Transfer ORANGE COAST TITLE COMPANY/NTHRN CA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2018 · Amount on File
Deed Sale	Mar 6, 2018 · Amount on File
Prior Sale	May 9, 2003 · Amount on File
Deed Book / Page	20180306 / 1205
Prior Transfer Date	Jan 24, 1997
Prior Transfer Doc	9701000135
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 14, 2026
Property Address	6445 ROMACK CIR, SACRAMENTO, CA 95822-3844
Document Number	2026000903
Book / Page	20260714 / 903
Instrument Date	Jul 9, 2026
Transaction Type	Mortgage
Record Updated	Jul 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	6445 ROMACK CIR, SACRAMENTO, CA 95822-3844

Mortgage

Document Number	2026000903,
Date	Jul 14, 2026
Book Page	20260714/903

Lender

Name	GOLDEN 1 CREDIT UNION

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	6445 ROMACK CIR, SACRAMENTO, CA 95822-3844
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6445 ROMACK CIR, SACRAMENTO, CA 95822-3844

Mortgage

Document Number	0000001081
Date	Mar 15, 2021
Instrument	202103151081

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	6445 ROMACK CIR, SACRAMENTO, CA 95822-3844
Transaction Type	Mortgage
Record Updated	Mar 26, 2021
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6445 ROMACK CIR, SACRAMENTO, CA 95822-3844

Mortgage

Document Number	3150000001081
Date	Mar 15, 2021
Book Page	20210315/1081

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	6445 ROMACK CIR, SACRAMENTO, CA 95822-3844
Document Number	1905150307
Instrument Date	May 4, 2019
Transaction Type	Mortgage
Record Updated	Jun 3, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	6445 ROMACK CIR SACRAMENTO CA 958223844, SACRAMENTO, CA 95822-3844

Mortgage

Document Number	1905150307
Date	May 15, 2019
Instrument	1905150307

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 14, 2049

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 6, 2018
Property Address	6445 ROMACK CIR, SACRAMENTO, CA 95822-3844
Document Number	1803061205
Instrument Date	Mar 1, 2018
Instrument	1803061205
Transaction Type	Transfer
Record Updated	Mar 15, 2018
Title Company	ORANGE COAST TITLE COMPANY/NTHRN CA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$238.70
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	5710 71ST ST SACRAMENTO CA 958242112, SACRAMENTO, CA 95824-2112

Mortgage

Document Number	1803061207
Date	Mar 6, 2018
Instrument	1803061207

Lender

Name	SYNERGY ONE LNDG
Address	SAN DIEGO, CA 92108

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 5, 2048

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 6, 2018
Property Address	6445 ROMACK CIR, SACRAMENTO, CA 95822-3844
Document Number	1803061206
Instrument Date	Mar 1, 2018
Instrument	1803061206
Transaction Type	Transfer
Record Updated	Mar 15, 2018
Title Company	ORANGE COAST TITLE COMPANY/NTHRN CA

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	5710 71ST ST SACRAMENTO CA 958242112, SACRAMENTO, CA 95824-2112

Tax Assessment & Valuation

The 2025 property tax bill for 6445 Romack Cir was $3,115, up 1.4% 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	Sacramento City Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$251,839 (+2%) Land $92,843 Building $158,996
2025	$3,115.00 (+1.4%)	$246,902 Land $91,023 Building $155,879
2024	$3,072.00 (+2.67%)
2023	$2,992.00 (+1.22%)	$237,317 Land $87,490 Building $149,827
2022	$2,956.00

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

Flood

FEMA maps place 6445 Romack Cir in Zone X, where a levee reduces flood risk, though there have been 25 flood claims nearby since 1992.

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
Flood Insurance Cost	Premium on File median of 29 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	25 (1992–2023)
Claims Outside the SFHA	1 of 25
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 5 claims Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 3 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 10 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 6445 Romack Cir is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of California
Wildfire Likelihood	0.03% 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 475 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	1,000 / 75
unWired Broadband Fixed Wireless	400 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: DigitalPath, Succeed.Net.

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