7130 Palm Ave, Fair Oaks, CA 95628 Property Records

Sacramento County property record for 7130 Palm Ave, Fair Oaks, CA 95628

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1959
Lot Size	0.232 acres (10,125 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,119 (2025)
Deeds & Mortgages	Feb 2017 Loan Modification Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`239-0062-001-0000`

Property Details

APN / Parcel Number

Primary APN	`239-0062-001-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	10,125 sqft (0.232 acres)
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	7130 PALM AVE
City	FAIR OAKS
State	CA
Zip	95628-3329
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	PALM GARDENS 01, LOT 2
Legal Subdivision	PALM GARDENS 01
Legal Lot Number	2
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	2
Census Block	2002
Census Tract	7904

Owner

7130 Palm Ave is owned and occupied by two individuals who acquired it in May 1996.

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

Owner of Record	2 Individual Names on File
Mailing Address	7130 PALM AVE, FAIR OAKS, CA 95628-3329
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
Feb 2, 2017	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK
Feb 2, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 7, 1996
Transfer Doc	9605001368
Record Updated	Oct 29, 2026

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SACRAMENTO CA
Property Address	7130 PALM AVE, FAIR OAKS, CA 95628-3329
Document Number	0000000079
Instrument Date	Feb 2, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7130 PALM AVE FAIR OAKS CA 956283329, FAIR OAKS, CA 95628-3329

Mortgage

Document Number	0000000079
Date	Apr 18, 2017
Book Page	170418/000079

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 17, 2047

Interest

Rate Type	Fixed Rate
Rate	3.62%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	7130 PALM AVE, FAIR OAKS, CA 95628-3329
Document Number	0000000834
Instrument Date	Feb 2, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7130 PALM AVE FAIR OAKS CA 956283329, FAIR OAKS, CA 95628-3329

Mortgage

Document Number	0000000834
Date	Apr 24, 2017
Book Page	170424/000834

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410-8000

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 23, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 7130 Palm Ave was $2,119, up 2.1% from the year before.

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		$177,885 (+2%) Land $84,706 Building $93,179
2025	$2,119.00 (+2.12%)	$174,398 Land $83,046 Building $91,352
2024	$2,075.00 (+1.62%)
2023	$2,042.00 (+2%)	$167,627 Land $79,822 Building $87,805
2022	$2,002.00

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

Flood

FEMA maps place 7130 Palm Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 7130 Palm Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% 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	CITRUS HEIGHTS WATER DISTRICT serves 67,818 people · EPA ID CA3410006
Water Source	Purchased surface water from SAN JUAN WATER DISTRICT
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2022–2024) 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.

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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