1985 Ritchie St, Folsom, CA 95630 Property Records

Sacramento County property record for 1985 Ritchie St, Folsom, CA 95630 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,047 sqft · built 2020
Lot Size	0.302 acres (13,136 sqft)
Owner	2 Individual Names on File
Last Sale	$1,520,000 (Aug 2024)
Tax Bill	$18,601 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2022 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`072-3320-017-0000`

Property Details

APN / Parcel Number

Primary APN	`072-3320-017-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,047 sqft Living Area
1st Floor Area	3,047 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	H-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	13,136 sqft (0.302 acres)
Garage Area	777 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1985 RITCHIE ST
City	FOLSOM
State	CA
Zip	95630-6379
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EMPIRE RANCH VILLAGE NO. 32B, LOT 76, UNIT:: 0, BLOCK:: 0, BLDG:: 0
Legal Subdivision	EMPIRE RANCH VILLAGE NO. 32B
Legal Lot Number	76
Jurisdiction	SACRAMENTO CA
Township / Civil Division	FOLSOM
Census Block Group	1
Census Block	1018
Census Tract	8512

Owner

Source: Sacramento County records · APN 072-3320-017-0000

Assessment roll updated July 22, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	1985 RITCHIE ST, FOLSOM, CA 95630-6379
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 08, 2021	Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BANK
Feb 07, 2022	Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BANK
Sep 30, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 29, 2021	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
Nov 29, 2021	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
Jun 04, 2020	Grant Deed, Subdivision Related Transfer UMPQUA BK
Nov 01, 2019	Deed of Trust, Mortgage · Conventional Mortgage MORI ROBERT & LINDA L/TR (LT)
Dec 21, 2018	Grant Deed, Transfer · Conventional Mortgage ELLIOTT HMS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 12, 2024 · Amount on Record
Deed Sale	Aug 12, 2024 · Amount on Record
Prior Sale	Jun 04, 2020 · Amount on Record
Deed Book / Page	20240812 / 469
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1985 RITCHIE ST, FOLSOM, CA 95630-6379
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL OF OR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1925 RITCHIE ST, FOLSOM, CA 95630-6379

Mortgage

Document Number	0000001711
Date	Feb 08, 2021
Instrument	202102081711

Lender

Name	UMPQUA BANK
Type	Bank
Address	PORTLAND, OR 97224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%
Type Change Date	Mar 01, 2031
Change Frequency	Monthly
Min Rate At Change	2.75%
Max Rate At Change	7.75%
Index	1-Month LIBOR
Max Rate	7.75%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1985 RITCHIE ST, FOLSOM, CA 95630-6379
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL OF OR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1985 RITCHIE ST, FOLSOM, CA 95630-6379

Mortgage

Document Number	0000000487
Date	Feb 07, 2022
Instrument	2022020700487

Lender

Name	UMPQUA BANK
Type	Bank
Address	PORTLAND, OR 97224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Mar 01, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.32%
Index	Other
Max Rate	7.37%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1985 RITCHIE ST, FOLSOM, CA 95630-6379
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1985 RITCHIE ST, FOLSOM, CA 95630-6379

Mortgage

Document Number	0000001170
Date	Sep 30, 2025
Instrument	202509301170

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2055

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1985 RITCHIE ST, FOLSOM, CA 95630-6379
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1985 RITCHIE ST, FOLSOM, CA 95630-6379

Mortgage

Document Number	0000001872
Date	Nov 29, 2021
Instrument	2021112901872

Lender

Name	UMPQUA BANK
Type	Bank
Address	SPOKANE, WA 99201

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1985 RITCHIE ST, FOLSOM, CA 95630-6379
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1985 RITCHIE ST, FOLSOM, CA 95630-6379

Mortgage

Document Number	2021112901872
Date	Nov 29, 2021
Instrument	2021112901872

Lender

Name	UMPQUA BANK
Type	Bank
Address	SPOKANE, WA 99201

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 04, 2020
Property Address	1985 RITCHIE ST, FOLSOM, CA 95630-6379
Document Number	2006041155
Instrument Date	Jun 01, 2020
Instrument	2006041155
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 16, 2020
Title Company	STEWART TITLE, STEWART TITLE/SACRAMENTO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,077.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1985 RITCHIE ST FOLSOM CA 956306379, FOLSOM, CA 95630-6379

Mortgage

Document Number	2006041156
Date	Jun 04, 2020
Instrument	2006041156

Lender

Name	UMPQUA BK
Type	Bank
Address	TIGARD, OR 97224

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 03, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.5%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1985 RITCHIE ST, FOLSOM, CA 95630-6379
Document Number	1911061288
Instrument Date	Nov 01, 2019
Transaction Type	Mortgage
Record Updated	Nov 18, 2019
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6702 MONUMENT SPRINGS DR ROCKLIN CA 956773253, ROCKLIN, CA 95677-3253

Mortgage

Document Number	1911061288
Date	Nov 06, 2019
Instrument	1911061288

Lender

Name	MORI ROBERT & LINDA L/TR (LT)
Address	6260 REBA DR, GRANITE BAY, CA 95746-9436

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 21, 2018
Property Address	1985 RITCHIE ST, FOLSOM, CA 95630-6379
Document Number	1812211103
Instrument Date	Dec 20, 2018
Instrument	1812211103
Transaction Type	Transfer
Record Updated	Jan 07, 2019
Title Company	STEWART TITLE, STEWART TITLE/SACRAMENTO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$286.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6702 MONUMENT SPRINGS DR ROCKLIN CA 956773253, ROCKLIN, CA 95677-3253

Mortgage

Document Number	1812211104
Date	Dec 21, 2018
Instrument	1812211104

Lender

Name	ELLIOTT HMS
Address	FOLSOM, CA 95630
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Sacramento County records · Assessment roll updated July 22, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value
2026		$1,550,400 (+2%) Land $382,500 Building $1,167,900
2025	$18,601.00 (+32.54%)	$1,520,000 (+39.8%) Land $375,000 Building $1,145,000
2024	$14,034.00 (+2.85%)
2023	$13,645.00 (+1.17%) Homeowner's exemption	$1,087,241 Land $341,632 Building $745,609
2022	$13,487.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Sacramento County (06067C), updated September 29, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060670085121, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Nearby Flood Policies	8 in force

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 24% of California
Wildfire Likelihood	About 1 in 1,923 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 336 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Cal.net	Fixed Wireless (unlicensed)	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: Cal.net, Succeed.Net, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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