9706 Emerald Oak Dr, Elk Grove, CA 95624 Property Records

Sacramento County property record for 9706 Emerald Oak Dr, Elk Grove, CA 95624

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,896 sqft · built 1977
Lot Size	0.212 acres (9,212 sqft)
Owner	Company Name on File
Tax Bill	$1,302 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`125-0060-032-0000`

Property Details

APN / Parcel Number

Primary APN	`125-0060-032-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,896 sqft Living Area
1st Floor Area	1,896 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	9,212 sqft (0.212 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Pool Area	6,200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	9706 EMERALD OAK DR
City	ELK GROVE
State	CA
Zip	95624-2212
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	EMERALD PARK 13, LOT 150
Legal Subdivision	EMERALD PARK 13
Legal Lot Number	150
Jurisdiction	SACRAMENTO CA
Township / Civil Division	ELK GROVE
Census Block Group	1
Census Block	1015
Census Tract	9309

Owner

9706 Emerald Oak Dr is owned by a company that acquired it in September 2010 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	9706 EMERALD OAK DR, ELK GROVE, CA 95624-2212
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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
Sep 6, 2017	Deed of Trust, Mortgage · FHA Mortgage RETIREMENT FNDG SOLUTIONS
Sep 6, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 28, 2010
Transfer Doc	1140000000747
Record Updated	Sep 20, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	9706 EMERALD OAK DR, ELK GROVE, CA 95624-2212
Document Number	1709110809
Instrument Date	Sep 6, 2017
Transaction Type	Mortgage
Record Updated	Sep 19, 2017
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	9706 EMERALD OAK DR ELK GROVE CA 956242212, ELK GROVE, CA 95624-2212

Mortgage

Document Number	1709110809
Date	Sep 11, 2017
Instrument	1709110809

Lender

Name	RETIREMENT FNDG SOLUTIONS
Address	SAN DIEGO, CA 92108

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.96%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	9706 EMERALD OAK DR, ELK GROVE, CA 95624-2212
Document Number	1709110810
Instrument Date	Sep 6, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	9706 EMERALD OAK DR ELK GROVE CA 956242212, ELK GROVE, CA 95624-2212

Mortgage

Document Number	1709110810
Date	Sep 11, 2017
Instrument	1709110810

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.96%

Tax Assessment & Valuation

The 2025 property tax bill for 9706 Emerald Oak Dr was $1,302 with a homeowner's exemption, up 1% 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		$119,148 (+2%) Land $14,443 Building $104,705
2025	$1,302.00 (+1.01%) Homeowner's exemption	$116,812 Land $14,160 Building $102,652
2024	$1,289.00 (+2.79%)
2023	$1,254.00 (+2.2%) Homeowner's exemption	$112,278 Land $13,611 Building $98,667
2022	$1,227.00

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

Flood

FEMA maps place 9706 Emerald Oak Dr 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
Flood Insurance Cost	Premium on File median of 17 policies
Nearby Flood Policies	17 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 9706 Emerald Oak 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	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	ELK GROVE WATER DISTRICT private · serves 44,065 people · EPA ID CA3410008
Water Source	Purchased surface water from SCWA - LAGUNA/VINEYARD
Last State Inspection	Apr 2024
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 395 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Fidium Fiber Fiber	2,000 / 2,000
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
DigitalPath Fixed Wireless	200 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, GeoLinks.

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