70 Cognac Cir, Sacramento, CA 95835 Property Records

Sacramento County property record for 70 Cognac Cir, Sacramento, CA 95835

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,100 sqft · built 2002
Lot Size	0.138 acres (5,991 sqft)
Owner	2 Individual Names on File
Last Sale	$218,000 (Dec 2011)
Tax Bill	$3,763 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone A99 (high risk)
APN	`225-1570-043-0000`

Property Details

APN / Parcel Number

Primary APN	`225-1570-043-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 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	5,991 sqft (0.138 acres)
Garage Area	375 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	70 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 13
Legal Subdivision	WESTBOROUGH VLG 01 PH 02
Legal Lot Number	13
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1012
Census Tract	7107

Owner

70 Cognac Cir is owned and occupied by two individuals who acquired it in March 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	70 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
Sep 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE GOLDEN 1 CU
Sep 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE GOLDEN 1 CU
Mar 13, 2019	Quit Claim Deed, Mortgage · Conventional Mortgage GOLDEN 1 CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2011 · Amount on File
Deed Sale	Dec 9, 2011 · Amount on File
Prior Sale	Aug 4, 2004 · Amount on File
Deed Book / Page	20111209 / 276
Last Transfer Date	Mar 5, 2019
Transfer Doc	3130000001142
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	70 COGNAC CIR, SACRAMENTO, CA 95835-2034
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 COGNAC CIR, SACRAMENTO, CA 95835-2034

Mortgage

Document Number	0000001724
Date	Sep 22, 2021
Instrument	2021092201724

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2041

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	70 COGNAC CIR, SACRAMENTO, CA 95835-2034
Transaction Type	Mortgage
Record Updated	Oct 4, 2021
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 COGNAC CIR, SACRAMENTO, CA 95835-2034

Mortgage

Document Number	2021092201724
Date	Sep 22, 2021
Instrument	2021092201724

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2041

March 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 13, 2019
Property Address	70 COGNAC CIR, SACRAMENTO, CA 95835-2034
Document Number	1903131142
Instrument Date	Mar 5, 2019
Instrument	1903131142
Transaction Type	Mortgage
Record Updated	Mar 25, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	70 COGNAC CIR SACRAMENTO CA 958352034, SACRAMENTO, CA 95835-2034

Mortgage

Document Number	1903131143
Date	Mar 13, 2019
Instrument	1903131143

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 12, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 70 Cognac Cir was $3,763 with a homeowner's exemption, down 14.8% 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		$279,285 (+2%) Land $57,648 Building $221,637
2025	$3,763.00 (-14.81%) Homeowner's exemption	$273,810 Land $56,518 Building $217,292
2024	$4,417.00 (+1.68%)
2023	$4,344.00 (+2.36%) Homeowner's exemption	$263,179 Land $54,324 Building $208,855
2022	$4,244.00

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

Flood

FEMA maps place 70 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 70 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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