7305 Sumter Dr, Fair Oaks, CA 95628 Property Records

Sacramento County property record for 7305 Sumter Dr, Fair Oaks, CA 95628

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,973 sqft · built 1974
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Dec 2001)
Tax Bill	$4,136 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`247-0302-018-0000`

Property Details

APN / Parcel Number

Primary APN	`247-0302-018-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,973 sqft Living Area
1st Floor Area	1,595 sqft
Bonus Room	Bonus Room
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	6,534 sqft (0.15 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	7305 SUMTER DR
City	FAIR OAKS
State	CA
Zip	95628-5624
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	OLIVEGATE, LOT 100
Legal Subdivision	OLIVEGATE
Legal Lot Number	100
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1012
Census Tract	7905

Owner

7305 Sumter Dr is owned and occupied by two individuals who bought it in December 2001.

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

Owner of Record	2 Individual Names on File
Mailing Address	7305 SUMTER DR, FAIR OAKS, CA 95628-5624
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
Oct 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 11, 2018	Deed of Trust, Mortgage · Line of Credit SAFE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2001 · Amount on File
Deed Sale	Dec 21, 2001 · Amount on File
Prior Sale	Oct 4, 2000 · Amount on File
Deed Book / Page	20011221 / 2397
Prior Transfer Date	Sep 27, 2000
Prior Transfer Doc	2000001317
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	7305 SUMTER DR, FAIR OAKS, CA 95628-5624
Transaction Type	Mortgage
Record Updated	Oct 25, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7305 SUMTER DR, FAIR OAKS, CA 95628-5624

Mortgage

Document Number	2021100801488
Date	Oct 8, 2021
Instrument	2021100801488

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	7305 SUMTER DR, FAIR OAKS, CA 95628-5624
Document Number	1810190716
Instrument Date	Oct 11, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7305 SUMTER DR FAIR OAKS CA 956285624, FAIR OAKS, CA 95628-5624

Mortgage

Document Number	1810190716
Date	Oct 19, 2018
Instrument	1810190716

Lender

Name	SAFE FCU
Type	Credit Union
Address	FOLSOM, CA 95630-8765

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 18, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 7305 Sumter Dr was $4,136 with a homeowner's exemption, up 2.2% 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		$354,086 (+2%) Land $90,397 Building $263,689
2025	$4,136.00 (+2.17%) Homeowner's exemption	$347,144 Land $88,625 Building $258,519
2024	$4,048.00 (+1.66%)
2023	$3,982.00 (+2.08%) Homeowner's exemption	$333,666 Land $85,185 Building $248,481
2022	$3,901.00

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

Flood

FEMA maps place 7305 Sumter Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1995.

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	4 in force
Nearby Flood Claims	2 (1995–1998)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Mar 1998 · Severe Winter Storms And Flooding

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 7305 Sumter Dr is low, with 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 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% 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	FAIR OAKS WATER DISTRICT serves 36,226 people · EPA ID CA3410009
Water Source	Purchased surface water from SAN JUAN WATER DISTRICT
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2023–2025) 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 418 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: GeoLinks, Succeed.Net, T-Mobile.

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