8400 Ruggles Ct, Fair Oaks, CA 95628 Property Records

Sacramento County property record for 8400 Ruggles Ct, Fair Oaks, CA 95628

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,116 sqft · built 1976
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Jul 2012)
Tax Bill	$4,812 (2025)
Deeds & Mortgages	Oct 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`246-0600-014-0000`

Property Details

APN / Parcel Number

Primary APN	`246-0600-014-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,116 sqft Living Area
1st Floor Area	2,305 sqft
Basement Area	264 sqft
Finished Basement	264 sqft
Bonus Room	Bonus Room
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	H-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	13,939 sqft (0.32 acres)
Garage Area	461 sqft
Parking Spaces	2 Parking Spaces
Pool Area	11,780 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	8400 RUGGLES CT
City	FAIR OAKS
State	CA
Zip	95628-5218
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-3
Legal Description	ROLLING HILLS ESTATES ADD 05, LOT 14
Legal Subdivision	ROLLING HILLS ESTATES ADD 05
Legal Lot Number	14
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1001
Census Tract	8008

Owner

8400 Ruggles Ct is owned and occupied by an individual who bought it in July 2012.

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	Individual Name on File
Mailing Address	8400 RUGGLES CT, FAIR OAKS, CA 95628-5218
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2012 · Amount on File
Deed Sale	Jul 24, 2012 · Amount on File
Prior Sale	Aug 2, 2005 · Amount on File
Deed Book / Page	20120724 / 1598
Prior Transfer Date	Feb 29, 2000
Prior Transfer Doc	2000000597
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	8400 RUGGLES CT, FAIR OAKS, CA 95628-5218
Transaction Type	Mortgage
Record Updated	Oct 22, 2025
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8400 RUGGLES CT, FAIR OAKS, CA 95628-5218

Mortgage

Document Number	0000001021
Date	Oct 9, 2025
Instrument	202510091021

Lender

Name	ASSET FINANCIAL CENTER INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95811

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 8400 Ruggles Ct was $4,812 with a homeowner's exemption, up 0.8% 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		$408,204 (+2%) Land $150,720 Building $257,484
2025	$4,812.00 (+0.82%) Homeowner's exemption	$400,201 Land $147,765 Building $252,436
2024	$4,773.00 (+3.02%)
2023	$4,633.00 (+0.41%) Homeowner's exemption	$384,663 Land $142,028 Building $242,635
2022	$4,614.00

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

Flood

FEMA maps place 8400 Ruggles Ct 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	5 in force
Nearby Flood Claims	2 (1995)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Mar 1995 · Severe Winter Storms, Flooding Landslides, Mud Flow

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 8400 Ruggles Ct 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 98% of the US · lower than 98.4% 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	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 290 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
Succeed.Net Fixed Wireless	100 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20