3231 Highgate Ter Loop, Folsom, CA 95630 Property Records

Sacramento County property record for 3231 Highgate Ter Loop, Folsom, CA 95630

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,407 sqft · built 2021
Lot Size	0.112 acres (4,887 sqft)
Owner	2 Individual Names on Record
Last Sale	$860,000 (Jul 2023)
Tax Bill	$13,456 (2025)
Deeds & Mortgages	Nov 2024 Mortgage Feb 2022 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`072-3600-029-0000`

Property Details

APN / Parcel Number

Primary APN	`072-3600-029-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,407 sqft Living Area
1st Floor Area	1,080 sqft
2nd Floor Area	1,327 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	H-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	4,887 sqft (0.112 acres)
Garage Area	646 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	3231 HIGHGATE TERRACE LOOP
City	FOLSOM
State	CA
Zip	95630-6965
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SP-SFHD (P
Legal Description	RUSSELL RANCH PHASE 1, VILLAGE 8, LOT 29, UNIT:: 0, BLOCK:: 0, BLDG:: 0
Legal Subdivision	RUSSELL RANCH PHASE 1
Legal Lot Number	29
Jurisdiction	SACRAMENTO CA
Township / Civil Division	FOLSOM
Census Block Group	4
Census Block	4001
Census Tract	8508

Owner

Source: Sacramento County records, as of July 22, 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 Record
Mailing Address	3231 HIGHGATE TERRACE LOOP, FOLSOM, CA 95630-6965
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2024	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jul 19, 2023	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 7, 2021	Grant Deed, Subdivision Related Transfer · Conventional Mortgage FBC MORTGAGE LLC
Jan 7, 2021	Loan Modification, Mortgage · Line of Credit WELLS FARGO BK
Sep 28, 2020	Loan Modification, Mortgage · Line of Credit WELLS FARGO BK
Jul 8, 2020	Grant Deed, Construction Loan · Line of Credit WELLS FARGO BK
Oct 29, 2019	Grant Deed, Transfer FIRST AMERICAN TITLE
Oct 31, 2019	Correction Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2023 · Amount on Record
Deed Sale	Jul 19, 2023 · Amount on Record
Prior Sale	May 7, 2021 · Amount on Record
Deed Book / Page	20230719 / 319
Record Updated	Sep 20, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3231 HIGHGATE TERRACE LOOP, FOLSOM, CA 95630-6965
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	ORABGE COAST TITLE, ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3231 HIGHGATE TERRACE LOOP, FOLSOM, CA 95630-6965

Mortgage

Document Number	0000000624
Date	Nov 7, 2024
Instrument	202411070624

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2054

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3231 HIGHGATE TERRACE LOOP, FOLSOM, CA 95630-6965
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3231 HIGHGATE TERRACE LOOP, FOLSOM, CA 95630-6965

Mortgage

Document Number	0000000080
Date	Feb 14, 2022
Instrument	2022021400080

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2037

July 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 19, 2023
Property Address	3231 HIGHGATE TERRACE LOOP, FOLSOM, CA 95630-6965
Document Number	0000000319
Map Reference	MB 411 PG 2
Instrument Date	Jul 14, 2023
Instrument	202307190319
Transaction Type	Transfer
Record Updated	Aug 1, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	3231 HIGHGATE TERRACE LOOP, FOLSOM, CA 95630-6965

Mortgage

Document Number	0000000320
Date	Jul 19, 2023
Instrument	202307190320

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

May 2021: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 7, 2021
Property Address	3231 HIGHGATE TERRACE LOOP, FOLSOM, CA 95630-6965
Document Number	0000001667
Map Reference	MB 411 PG 2
Instrument Date	May 4, 2021
Instrument	202105071667
Transaction Type	Subdivision Related Transfer
Record Updated	May 15, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	3231 HIGHGATE TERRACE LOOP, FOLSOM, CA 95630-6965

Mortgage

Document Number	0000001668
Date	May 7, 2021
Instrument	202105071668

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

January 2021: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SACRAMENTO CA
Property Address	3231 HIGHGATE TERRACE LOOP, FOLSOM, CA 95630-6965
Document Number	2101081920
Instrument Date	Jan 7, 2021
Transaction Type	Mortgage
Record Updated	Jan 25, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	3001 DOUGLAS BLVD #200 ROSEVILLE CA 956613809, 200, ROSEVILLE, CA 95661-3809
Investor	Possibly a Property Investor

Mortgage

Document Number	2101081920
Date	Jan 8, 2021
Instrument	2101081920

Lender

Name	WELLS FARGO BK
Type	Bank
Address	1512 EUREKA RD # 350, ROSEVILLE, CA 95661-3070

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SACRAMENTO CA
Property Address	3231 HIGHGATE TERRACE LOOP, FOLSOM, CA 95630-6965
Document Number	2010071316
Instrument Date	Sep 28, 2020
Transaction Type	Mortgage
Record Updated	Oct 29, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	3001 DOUGLAS BLVD #200 ROSEVILLE CA 956613809, 200, ROSEVILLE, CA 95661-3809
Investor	Possibly a Property Investor

Mortgage

Document Number	2010071316
Date	Oct 7, 2020
Instrument	2010071316

Lender

Name	WELLS FARGO BK
Type	Bank
Address	1512 EUREKA RD # 350, ROSEVILLE, CA 95661-3070

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2020: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 8, 2020
Property Address	3231 HIGHGATE TERRACE LOOP, FOLSOM, CA 95630-6965
Document Number	2007081867
Instrument Date	Jul 6, 2020
Instrument	2007081867
Transaction Type	Construction Loan
Record Updated	Jan 25, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$2,399.00
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	3001 DOUGLAS BLVD #200 ROSEVILLE CA 956613809, 200, ROSEVILLE, CA 95661-3809
Investor	Possibly a Property Investor

Mortgage

Document Number	2007081868
Date	Jul 8, 2020
Instrument	2007081868

Lender

Name	WELLS FARGO BK
Type	Bank
Address	1512 EUREKA RD # 350, ROSEVILLE, CA 95661-3070

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 29, 2019
Property Address	3231 HIGHGATE TERRACE LOOP, FOLSOM, CA 95630-6965
Document Number	1910291325
Instrument Date	Oct 28, 2019
Instrument	1910291325
Transaction Type	Transfer
Record Updated	Nov 14, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$18,232.50
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	590 MADISON AVE #13TH NEW YORK NY 100222524, 13TH, NEW YORK, NY 10022-2524
Investor	Possibly a Property Investor

October 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 31, 2019
Property Address	3231 HIGHGATE TERRACE LOOP, FOLSOM, CA 95630-6965
Document Number	1910311611
Instrument Date	Oct 28, 2019
Instrument	1910311611
Transaction Type	Transfer
Record Updated	Nov 14, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	590 MADISON AVE #13TH NEW YORK NY 100222524, 13TH, NEW YORK, NY 10022-2524
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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		$894,744 (+2%) Land $208,080 Building $686,664
2025	$13,456.00 (+0.76%) Homeowner's exemption	$877,200 (+24.59%) Land $204,000 Building $673,200
2024	$13,354.00 (+16.68%)
2023	$11,445.00 (-2.35%) Homeowner's exemption	$704,069 Land $208,080 Building $495,989
2022	$11,720.00

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

Flood

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
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	3 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 68% of the US · above 42% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 427 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Succeed.Net Fixed Wireless	100 / 50
Cal.net Fixed Wireless	100 / 20

May also be available: T-Mobile, unWired Broadband, Verizon, Zeta Broadband.

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