114 Gainsborough Cir, Folsom, CA 95630 Property Records

Sacramento County property record for 114 Gainsborough Cir, Folsom, CA 95630

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,154 sqft · built 2004
Lot Size	0.574 acres (25,000 sqft)
Owner	2 Individual Names on File
Last Sale	$759,000 (Mar 2017)
Tax Bill	$9,531 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jan 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`213-0830-001-0000`

Property Details

APN / Parcel Number

Primary APN	`213-0830-001-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,154 sqft Living Area
1st Floor Area	1,917 sqft
2nd Floor Area	1,237 sqft
Bonus Room	Bonus Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	25,000 sqft (0.574 acres)
Garage Area	652 sqft
Parking Spaces	2 Parking Spaces
Pool Area	20,800 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	114 GAINSBOROUGH CIR
City	FOLSOM
State	CA
Zip	95630-1830
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-ML (A)
Legal Description	OAKS VISTA ESTATES 03, LOT 45
Legal Subdivision	OAKS VISTA ESTATES 03
Legal Lot Number	45
Jurisdiction	SACRAMENTO CA
Township / Civil Division	FOLSOM
Census Block Group	2
Census Block	2015
Census Tract	8209

Owner

114 Gainsborough Cir is owned and occupied by two individuals who bought it in March 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	114 GAINSBOROUGH CIR, FOLSOM, CA 95630-1830
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Jul 6, 2020	Deed of Trust, Mortgage · VA Mortgage PLANET HM LNDG
Jan 3, 2018	Deed of Trust, Mortgage · VA Mortgage USAA
Mar 29, 2017	Grant Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2017 · Amount on File
Deed Sale	Mar 29, 2017 · Amount on File
Prior Sale	Apr 17, 2001 · Amount on File
Deed Book / Page	20170329 / 827
Prior Transfer Date	Feb 11, 2005
Prior Transfer Doc	0000002408
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	114 GAINSBOROUGH CIR, FOLSOM, CA 95630-1830
Document Number	2007160602
Instrument Date	Jul 6, 2020
Transaction Type	Mortgage
Record Updated	Aug 3, 2020
Title Company	SERVICELINK CRS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	114 GAINSBOROUGH CIR FOLSOM CA 956301830, FOLSOM, CA 95630-1830

Mortgage

Document Number	2007160602
Date	Jul 16, 2020
Instrument	2007160602

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 15, 2050

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	114 GAINSBOROUGH CIR, FOLSOM, CA 95630-1830
Document Number	1801110190
Instrument Date	Jan 3, 2018
Transaction Type	Mortgage
Record Updated	Jan 19, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	114 GAINSBOROUGH CIR FOLSOM CA 956301830, FOLSOM, CA 95630-1830

Mortgage

Document Number	1801110190
Date	Jan 11, 2018
Instrument	1801110190

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 10, 2048

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 29, 2017
Property Address	114 GAINSBOROUGH CIR, FOLSOM, CA 95630-1830
Document Number	3290000000827
Book / Page	20170329 / 0827
Map Reference	MB 127 PG 4
Instrument Date	Mar 27, 2017
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	114 GAINSBOROUGH CIR, FOLSOM, CA 95630-1830

Mortgage

Document Number	201703290828
Date	Mar 29, 2017
Instrument	20170329/0828

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 114 Gainsborough Cir was $9,531 with a homeowner's exemption, up 2.1% from the year before.

Source: Sacramento County assessment roll, as of July 22, 2026

Property Jurisdictions

Type	Name
State	California
County	Sacramento County
Municipality	Folsom City
Unified School District	Folsom-Cordova Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$898,494 (+2%) Land $177,566 Building $720,928
2025	$9,531.00 (+2.12%) Homeowner's exemption	$880,878 Land $174,085 Building $706,793
2024	$9,333.00 (+1.82%)
2023	$9,166.00 (+1.49%) Homeowner's exemption	$846,675 Land $167,326 Building $679,349
2022	$9,031.00

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

Flood

FEMA maps place 114 Gainsborough Cir 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
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1995)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 1995 · Severe Winter Storms, Flooding, Landslides, Mud Flows
Claims by Event	Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 2 claims

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 114 Gainsborough Cir is low, with a 0.03% 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	0.03% 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	FOLSOM, CITY OF - ASHLAND serves 3,300 people · EPA ID CA3410030
Water Source	Purchased surface water from SAN JUAN WATER DISTRICT
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2024–2026) 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 284 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Cal.net.

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