Sacramento County property record for 121 Prospector Ct, Folsom, CA 95630
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,105 sqft · built 1985 |
| Lot Size | 0.383 acres (16,680 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $840,000 (Oct 2026) |
| Tax Bill | $4,513 (2026) |
| Deeds & Mortgages | Oct 2026 Sale & Mortgage Jul 2025 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 223-0550-053-0000 |
| Primary APN | 223-0550-053-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,105 sqft Living Area |
| 1st Floor Area | 1,064 sqft |
| 2nd Floor Area | 1,041 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Roof Material | Wood Shingle |
| Lot Area | 16,680 sqft (0.383 acres) |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 25,000 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 121 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 81 |
| Legal Subdivision | SCENIC OAKS |
| Legal Lot Number | 81 |
| Jurisdiction | SACRAMENTO CA |
| Township / Civil Division | FOLSOM |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 8209 |
Source: Sacramento County records, as of October 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 121 PROSPECTOR CT, FOLSOM, CA 95630-5119 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 9, 2026 | Grant Deed, Transfer · Conventional Mortgage OPTIMUM FIRST INC |
| Jul 31, 2025 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Apr 27, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Jul 17, 2020 | Quit Claim Deed, Transfer SECURE ONE CAP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 9, 2026 · Amount on Record |
| Deed Sale | Oct 9, 2026 · Amount on Record |
| Prior Sale | Aug 1, 2001 · Amount on Record |
| Deed Document Number | 2026 |
| Deed Book / Page | 20261009 / 859 |
| Prior Transfer Date | Jul 8, 2020 |
| Prior Transfer Doc | 7170000000753 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Recording Date | Oct 9, 2026 |
| Property Address | 121 PROSPECTOR CT, FOLSOM, CA 95630-5119 |
| Document Number | 2026000859 |
| Book / Page | 20261009 / 859 |
| Instrument Date | Oct 7, 2026 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2026 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $93,324.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 121 PROSPECTOR CT, FOLSOM, CA 95630-5119 |
| Document Number | 2026000860, |
|---|---|
| Date | Oct 9, 2026 |
| Book Page | 20261009/860 |
| Name | OPTIMUM FIRST INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 121 PROSPECTOR CT, FOLSOM, CA 95630-5119 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 121 PROSPECTOR CT, FOLSOM, CA 95630-5119 |
| Document Number | 0000000227 |
|---|---|
| Date | Jul 31, 2025 |
| Instrument | 202507310227 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 30, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 121 PROSPECTOR CT, FOLSOM, CA 95630-5119 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 121 PROSPECTOR CT, FOLSOM, CA 95630-5119 |
| Document Number | 0000000941 |
|---|---|
| Date | Apr 27, 2022 |
| Instrument | 2022042700941 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Recording Date | Jul 17, 2020 |
| Property Address | 121 PROSPECTOR CT, FOLSOM, CA 95630-5119 |
| Document Number | 2007170753 |
| Instrument Date | Jul 8, 2020 |
| Instrument | 2007170753 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2020 |
| Title Company | TICOR TITLE ORANGE COUNTY BR, TICOR TITLE ORANGE CNTY BR |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 121 PROSPECTOR CT FOLSOM CA 956305119, FOLSOM, CA 95630-5119 |
| Document Number | 2007170754 |
|---|---|
| Date | Jul 17, 2020 |
| Instrument | 2007170754 |
| Name | SECURE ONE CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | COSTA MESA, CA 92626 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jul 16, 2035 |
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 | $4,513.00 (+2.15%) | $382,712 (+2%) Land $97,931 Building $284,781 |
| 2025 | $4,418.00 (+0.14%) | $375,209 (+4.04%) Land $96,011 Building $279,198 |
| 2024 | $4,412.00 (+2.6%) | |
| 2023 | $4,300.00 (+0.54%) | $360,641 Land $92,284 Building $268,357 |
| 2022 | $4,277.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
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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