2145 Osprey Dr, Folsom, CA 95630 Property Records

Sacramento County property record for 2145 Osprey Dr, Folsom, CA 95630

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,040 sqft · built 2015
Lot Size	0.322 acres (14,021 sqft)
Owner	2 Individual Names on File
Last Sale	$1,200,000 (Dec 2025)
Tax Bill	$12,053 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`072-2510-051-0000`

Property Details

APN / Parcel Number

Primary APN	`072-2510-051-0000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,040 sqft Living Area
1st Floor Area	1,588 sqft
2nd Floor Area	1,452 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	14,021 sqft (0.322 acres)
Garage Area	603 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2145 OSPREY DR
City	FOLSOM
State	CA
Zip	95630-6257
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SP-SFLD (S
Legal Description	EMPIRE RANCH VILLAGE NO. 61, LOT 175
Legal Subdivision	EMPIRE RANCH VILLAGE NO. 61
Legal Lot Number	175
Jurisdiction	SACRAMENTO CA
Township / Civil Division	FOLSOM
Census Block Group	1
Census Block	1015
Census Tract	8513

Owner

2145 Osprey Dr is owned by two individuals who bought it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1384 FRESWICK DR, FOLSOM, CA 95630-5300
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage SAFE CU
Dec 12, 2025	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2025 · Amount on File
Deed Sale	Dec 12, 2025 · Amount on File
Prior Sale	Mar 15, 2016 · Amount on File
Deed Book / Page	20251212 / 103
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	2145 OSPREY DR, FOLSOM, CA 95630-6257
Transaction Type	Mortgage
Record Updated	Dec 29, 2025
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2145 OSPREY DR, FOLSOM, CA 95630-6257

Mortgage

Document Number	0000001421
Date	Sep 29, 2021
Instrument	2021092901421

Lender

Name	SAFE CU
Type	Credit Union
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

December 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 12, 2025
Property Address	2145 OSPREY DR, FOLSOM, CA 95630-6257
Document Number	0000000103
Map Reference	MB 330 PG 3
Instrument Date	Dec 1, 2025
Instrument	202512120103
Transaction Type	Transfer
Record Updated	Dec 29, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL 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	Joint Tenants
Address	1384 FRESWICK DR, FOLSOM, CA 95630-5300

Mortgage

Document Number	0000000104
Date	Dec 12, 2025
Instrument	202512120104

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Jan 1, 2033
Change Frequency	6 Months
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	SOFR Average 30-Day
Max Rate	10.6%

Tax Assessment & Valuation

The 2025 property tax bill for 2145 Osprey Dr was $12,053, up 1.7% 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		$1,200,000 (+30.48%) Land $240,000 Building $960,000
2025	$12,053.00 (+1.7%)	$919,663 Land $207,162 Building $712,501
2024	$11,851.00 (+3.03%)
2023	$11,502.00 (+1.1%)	$883,953 Land $199,118 Building $684,835
2022	$11,377.00

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

Flood

FEMA maps place 2145 Osprey 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
Nearby Flood Policies	1 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 2145 Osprey Dr 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 99.1% of the US · lower than 99.2% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FOLSOM, CITY OF - MAIN serves 80,969 people · EPA ID CA3410014
Water Source	Surface water
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 399 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Zeta Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Cal.net.

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