9645 Cedar Oak Way, Elk Grove, CA 95757 Property Records

Sacramento County property record for 9645 Cedar Oak Way, Elk Grove, CA 95757

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,260 sqft · built 2003
Lot Size	0.134 acres (5,827 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (Sep 2008)
Tax Bill	$6,360 (2025)
Deeds & Mortgages	Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`132-1110-035-0000`

Property Details

APN / Parcel Number

Primary APN	`132-1110-035-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,260 sqft Living Area
1st Floor Area	1,799 sqft
2nd Floor Area	1,461 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Custom Design
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	5,827 sqft (0.134 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	9645 CEDAR OAK WAY
City	ELK GROVE
State	CA
Zip	95757-8345
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	CRESLEIGH RANCH VLG C, LOT 35
Legal Subdivision	CRESLEIGH RANCH VLG C
Legal Lot Number	35
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1001
Census Tract	9632

Owner

9645 Cedar Oak Way is owned and occupied by two individuals who acquired it in September 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	9645 CEDAR OAK WAY, ELK GROVE, CA 95757-8345
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2008 · Amount on File
Deed Sale	Sep 23, 2008 · Amount on File
Prior Sale	Feb 5, 2008 · Amount on File
Deed Book / Page	20080923 / 155
Last Transfer Date	Sep 23, 2016
Transfer Doc	0000001485
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	9645 CEDAR OAK WAY, ELK GROVE, CA 95757-8345
Document Number	2004030435
Instrument Date	Mar 30, 2020
Transaction Type	Mortgage
Record Updated	May 1, 2020
Title Company	CALATLANTIC TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9645 CEDAR OAK WAY ELK GROVE CA 957578345, ELK GROVE, CA 95757-8345

Mortgage

Document Number	2004030435
Date	Apr 3, 2020
Instrument	2004030435

Lender

Name	FIRST NTHRN BK/DIXON
Type	Bank
Address	DAVIS, CA 95616

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 2, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 9645 Cedar Oak Way was $6,360, 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
Municipality	Elk Grove City
Unified School District	Elk Grove Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$472,849 (+2%) Land $131,342 Building $341,507
2025	$6,360.00 (+0.78%)	$463,578 Land $128,767 Building $334,811
2024	$6,311.00 (+2.27%)
2023	$6,171.00 (+1.78%)	$445,579 Land $123,768 Building $321,811
2022	$6,063.00

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

Flood

FEMA maps place 9645 Cedar Oak Way 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	2 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

The area around 9645 Cedar Oak Way has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	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 797 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Fidium Fiber Fiber	2,000 / 2,000
Verizon Fixed Wireless	1,000 / 75
unWired Broadband Fixed Wireless	400 / 50
DigitalPath Fixed Wireless	200 / 20
AT&T Fixed Wireless	100 / 20