7092 Cardinal Rd, Fair Oaks, CA 95628 Property Records

Sacramento County property record for 7092 Cardinal Rd, Fair Oaks, CA 95628

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,889 sqft · built 1967
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (May 2015)
Tax Bill	$4,983 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`239-0214-003-0000`

Property Details

APN / Parcel Number

Primary APN	`239-0214-003-0000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,889 sqft Living Area
1st Floor Area	965 sqft
2nd Floor Area	924 sqft
Family Room	Family Room
Utility Room	Utility Room

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	7092 CARDINAL RD
City	FAIR OAKS
State	CA
Zip	95628-4202
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	LARCHMONT HILLS 03, LOT 172
Legal Subdivision	LARCHMONT HILLS 03
Legal Lot Number	172
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	3
Census Block	3001
Census Tract	7904

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	7092 CARDINAL RD, FAIR OAKS, CA 95628-4202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Apr 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Mar 18, 2020	Deed of Trust, Construction Loan · Construction Mortgage DISCOVER BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2015 · Amount on Record
Deed Sale	May 26, 2015 · Amount on Record
Deed Book / Page	20150526 / 1169
Prior Transfer Date	May 13, 2009
Prior Transfer Doc	0000000728
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	7092 CARDINAL RD, FAIR OAKS, CA 95628-4202
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7092 CARDINAL RD, FAIR OAKS, CA 95628-4202

Mortgage

Document Number	0000001657
Date	Apr 23, 2021
Instrument	202104231657

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	7092 CARDINAL RD, FAIR OAKS, CA 95628-4202
Transaction Type	Mortgage
Record Updated	May 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7092 CARDINAL RD, FAIR OAKS, CA 95628-4202

Mortgage

Document Number	4230000001657
Date	Apr 23, 2021
Book Page	20210423/1657

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

March 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 18, 2020
Property Address	7092 CARDINAL RD, FAIR OAKS, CA 95628-4202
Document Number	2003180123
Instrument Date	Mar 13, 2020
Instrument	2003180123
Transaction Type	Construction Loan
Record Updated	Apr 21, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7092 CARDINAL RD FAIR OAKS CA 956284202, FAIR OAKS, CA 95628-4202

Mortgage

Document Number	2003180123
Date	Mar 18, 2020
Instrument	2003180123

Lender

Name	DISCOVER BK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 17, 2030

Tax Assessment & Valuation

Source: Sacramento County assessment roll, as of July 22, 2026

Property Jurisdictions

Type	Name
State	California
County	Sacramento County
Unified School District	San Juan Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$380,013 (+2%) Land $98,065 Building $281,948
2025	$4,983.00 (-4.98%)	$372,563 (+4.04%) Land $96,143 Building $276,420
2024	$5,244.00 (+20.22%)
2023	$4,362.00 (+2.01%)	$358,097 Land $92,410 Building $265,687
2022	$4,276.00

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	1 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 99.1% of the US · lower than 99.2% 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	CARMICHAEL WATER DISTRICT serves 41,193 people · EPA ID CA3410004
Water Source	Groundwater influenced by surface water
Last State Inspection	Jul 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	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 602 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Succeed.Net.

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