Sacramento County property record for 120 Prospector Ct, Folsom, CA 95630
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,230 sqft · built 1985 |
| Lot Size | 0.186 acres (8,115 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $841 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Mar 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 223-0550-050-0000 |
| Primary APN | 223-0550-050-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,230 sqft Living Area |
| 1st Floor Area | 1,230 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | L-Shape |
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 8,115 sqft (0.186 acres) |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 120 PROSPECTOR CT |
|---|---|
| City | FOLSOM |
| State | CA |
| Zip | 95630-5119 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-ML |
| Legal Description | SCENIC OAKS, LOT 78 |
| Legal Subdivision | SCENIC OAKS |
| Legal Lot Number | 78 |
| Jurisdiction | SACRAMENTO CA |
| Township / Civil Division | FOLSOM |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 8209 |
120 Prospector Ct is owned and occupied by two individuals.
Source: Sacramento County records, as of July 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 120 PROSPECTOR CT, FOLSOM, CA 95630-5119 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 1, 2026 | Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC |
| Mar 28, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Recording Date | Sep 1, 2026 |
| Property Address | 120 PROSPECTOR CT, FOLSOM, CA 95630-5119 |
| Document Number | 2026000095 |
| Book / Page | 20260901 / 95 |
| Instrument Date | Aug 26, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 120 PROSPECTOR CT, FOLSOM, CA 95630-5119 |
| Document Number | 2026000095, |
|---|---|
| Date | Sep 1, 2026 |
| Book Page | 20260901/95 |
| Name | SPRING EQ LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 120 PROSPECTOR CT, FOLSOM, CA 95630-5119 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2022 |
| Title Company | PLACER TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 120 PROSPECTOR CT, FOLSOM, CA 95630-5119 |
| Document Number | 0000000331 |
|---|---|
| Date | Mar 28, 2022 |
| Instrument | 2022032800331 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
The 2025 property tax bill for 120 Prospector Ct was $841, down 2.8% from the year before.
Source: Sacramento County assessment roll, as of July 22, 2026
| Type | Name |
|---|---|
| State | California |
| County | Sacramento County |
| Municipality | Folsom City |
| Unified School District | San Juan Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $251,696 (+2%) Land $62,133 Building $189,563 | |
| 2025 | $841.00 (-2.77%) | $246,762 Land $60,915 Building $185,847 |
| 2024 | $865.00 (-4.63%) | |
| 2023 | $907.00 (-9.12%) | $237,181 Land $58,550 Building $178,631 |
| 2022 | $998.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 120 Prospector Ct in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1986.
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 | 2 in force |
| Nearby Flood Claims | 11 (1986–2014) |
| Claims Outside the SFHA | 8 of 11 |
| Most Recent Claim | Dec 2014 · rainfall accumulation |
| Claims by Event |
|
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 risk around 120 Prospector 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 99.8% of the US · lower than 99.8% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SAN JUAN WATER DISTRICT serves 29,738 people · EPA ID CA3410021 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 363 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 |
| Cal.net Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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