654 Rivergate Way, Sacramento, CA 95831 Property Records

Sacramento County property record for 654 Rivergate Way, Sacramento, CA 95831

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,104 sqft · built 1987
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Jun 2001)
Tax Bill	$5,411 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`031-0760-063-0000`

Property Details

APN / Parcel Number

Primary APN	`031-0760-063-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,104 sqft Living Area
1st Floor Area	1,287 sqft
2nd Floor Area	817 sqft
Bonus Room	Bonus Room
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	H-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	6,970 sqft (0.16 acres)
Garage Area	638 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	654 RIVERGATE WAY
City	SACRAMENTO
State	CA
Zip	95831-3343
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	RIVERSIDE MANOR 03, LOT 168
Legal Subdivision	RIVERSIDE MANOR 03
Legal Lot Number	168
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1003
Census Tract	4018

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	2 Individual Names on Record
Mailing Address	654 RIVERGATE WAY, SACRAMENTO, CA 95831-3343
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage GOLDEN 1 CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2001 · Amount on Record
Deed Sale	Jun 6, 2001 · Amount on Record
Deed Book / Page	20010606 / 1637
Prior Transfer Date	Apr 1, 1999
Prior Transfer Doc	9904001745
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	654 RIVERGATE WAY, SACRAMENTO, CA 95831-3343
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 RIVERGATE WAY, SACRAMENTO, CA 95831-3343

Mortgage

Document Number	0000000302
Date	Jul 1, 2021
Instrument	202107010302

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	654 RIVERGATE WAY, SACRAMENTO, CA 95831-3343
Transaction Type	Mortgage
Record Updated	Jul 14, 2021
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 RIVERGATE WAY, SACRAMENTO, CA 95831-3343

Mortgage

Document Number	7010000000302
Date	Jul 1, 2021
Book Page	20210701/302

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	654 RIVERGATE WAY, SACRAMENTO, CA 95831-3343
Document Number	0000000710
Book / Page	170417 / 000710
Instrument Date	Apr 12, 2017
Transaction Type	Mortgage
Record Updated	Apr 28, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	654 RIVERGATE WAY SACRAMENTO CA 958313343, SACRAMENTO, CA 95831-3343

Mortgage

Document Number	0000000710
Date	Apr 17, 2017
Book Page	170417/000710

Lender

Name	GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 16, 2032

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
Unified School District	Sacramento City Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$453,385 (+2%) Land $112,186 Building $341,199
2025	$5,411.00 (+1.42%) Homeowner's exemption	$444,496 (+4.04%) Land $109,987 Building $334,509
2024	$5,335.00 (+2.54%)
2023	$5,203.00 (+1.42%) Homeowner's exemption	$427,237 Land $105,717 Building $321,520
2022	$5,130.00

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
Flood Insurance Cost	Premium on Record median of 83 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	83 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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 98% of the US · lower than 98.4% 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 726 locations within half a mile, as of December 31, 2025

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

May also be available: GeoLinks, T-Mobile.

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