8217 Cowdray Ct, Sacramento, CA 95829 Property Records

Sacramento County property record for 8217 Cowdray Ct, Sacramento, CA 95829

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,873 sqft · built 1999
Lot Size	0.993 acres (43,263 sqft)
Owner	2 Individual Names on File
Last Sale	$548,500 (Jul 2000)
Tax Bill	$6,979 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`122-0390-014-0000`

Property Details

APN / Parcel Number

Primary APN	`122-0390-014-0000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,873 sqft Living Area
1st Floor Area	2,873 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	43,263 sqft (0.993 acres)
Garage Area	683 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	8217 COWDRAY CT
City	SACRAMENTO
State	CA
Zip	95829-6550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR-1
Legal Description	SILVER SPRINGS 01, LOT 42
Legal Subdivision	SILVER SPRINGS 01
Legal Lot Number	42
Jurisdiction	SACRAMENTO CA
Township / Civil Division	ELK GROVE
Census Block Group	3
Census Block	3006
Census Tract	9326

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 File
Mailing Address	8217 COWDRAY CT, SACRAMENTO, CA 95829-6550
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Oct 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 11, 2017	Deed of Trust, Mortgage · Line of Credit GOLDEN 1 CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2000 · Amount on File
Deed Sale	Jul 14, 2000 · Amount on File
Prior Sale	Jul 3, 2000 · Amount on File
Deed Book / Page	20000714 / 788
Last Transfer Date	Jun 5, 2002
Transfer Doc	2002000842
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	8217 COWDRAY CT, SACRAMENTO, CA 95829-6550
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8217 COWDRAY CT, SACRAMENTO, CA 95829-6550

Mortgage

Document Number	0000001283
Date	Apr 26, 2021
Instrument	202104261283

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	8217 COWDRAY CT, SACRAMENTO, CA 95829-6550
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8217 COWDRAY COURT, FOOTHILL RANCH, CA 92610

Mortgage

Document Number	0000000092
Date	Oct 19, 2021
Instrument	2021101900092

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	8217 COWDRAY CT, SACRAMENTO, CA 95829-6550
Transaction Type	Mortgage
Record Updated	May 6, 2021
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8217 COWDRAY CT, SACRAMENTO, CA 95829-6550

Mortgage

Document Number	4260000001283
Date	Apr 26, 2021
Book Page	20210426/1283

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	8217 COWDRAY CT, SACRAMENTO, CA 95829-6550
Document Number	1712210977
Instrument Date	Dec 11, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8217 COWDRAY CT SACRAMENTO CA 958296550, SACRAMENTO, CA 95829-6550

Mortgage

Document Number	1712210977
Date	Dec 21, 2017
Instrument	1712210977

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 20, 2047

Interest

Rate Type	Adjustable Rate

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	Elk Grove Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$646,561 (+2%) Land $169,056 Building $477,505
2025	$6,979.00 (+1.68%) Homeowner's exemption	$633,885 (+4.04%) Land $165,742 Building $468,143
2024	$6,864.00 (+2.57%)
2023	$6,692.00 (+1.73%) Homeowner's exemption	$609,272 Land $159,307 Building $449,965
2022	$6,578.00

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
Flood Insurance Cost	Premium on File median of 20 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	20 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	Moderate above 57% of the US · lower than 65% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SCWA - LAGUNA/VINEYARD serves 188,417 people · EPA ID CA3410029
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	1 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 154 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
DigitalPath Fixed Wireless	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, Softcom Internet Communications, Succeed.Net.

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