3243 Highgate Ter Loop, Folsom, CA 95630 Property Records

Sacramento County property record for 3243 Highgate Ter Loop, Folsom, CA 95630

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,407 sqft · built 2020
Lot Size	0.112 acres (4,896 sqft)
Owner	2 Individual Names on File
Last Sale	$620,000 (Oct 2020)
Tax Bill	$12,282 (2025)
Deeds & Mortgages	Apr 2025 Mortgage Sep 2023 Mortgage + 9 more
Flood Zone	Zone X (minimal risk)
APN	`072-3600-032-0000`

Property Details

APN / Parcel Number

Primary APN	`072-3600-032-0000`

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

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	4,896 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	3243 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 32, UNIT:: 0, BLOCK:: 0, BLDG:: 0
Legal Subdivision	RUSSELL RANCH PHASE 1
Legal Lot Number	32
Jurisdiction	SACRAMENTO CA
Township / Civil Division	FOLSOM
Census Block Group	4
Census Block	4001
Census Tract	8508

Owner

3243 Highgate Ter Loop is owned and occupied by two individuals who bought it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3243 HIGHGATE TERRACE LOOP, FOLSOM, CA 95630-6965
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 7, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 5, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 9, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 9, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 16, 2020	Grant Deed, Subdivision Related Transfer · FHA Mortgage FBC MTG
Sep 28, 2020	Loan Modification, Mortgage · Line of Credit WELLS FARGO BK
Jul 8, 2020	Deed of Trust, Construction Loan · Line of Credit WELLS FARGO BK
Apr 8, 2020	Grant Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE
Mar 27, 2020	Loan Modification, Mortgage WELLS FARGO BK
Oct 31, 2019	Correction Deed, Transfer FIRST AMERICAN TITLE
Oct 29, 2019	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2020 · Amount on File
Deed Sale	Oct 16, 2020 · Amount on File
Deed Book / Page	20201016 / 857
Record Updated	Sep 20, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3243 HIGHGATE TERRACE LOOP, FOLSOM, CA 95630-6965
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3243 HIGHGATE TERRACE LOOP, FOLSOM, CA 95630-6965

Mortgage

Document Number	0000000026
Date	Apr 7, 2025
Instrument	202504070026

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CORAOPOLIS, PA 15108

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	307 Months
Due	Nov 1, 2050

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3243 HIGHGATE TERRACE LOOP, FOLSOM, CA 95630-6965
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3243 HIGHGATE TERRACE LOOP, FOLSOM, CA 95630-6965

Mortgage

Document Number	0000000321
Date	Sep 5, 2023
Instrument	202309050321

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	326 Months
Due	Nov 1, 2050

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3243 HIGHGATE TERRACE LOOP, FOLSOM, CA 95630-6965
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3243 HIGHGATE TERRACE LOOP, FOLSOM, CA 95630-6965

Mortgage

Document Number	0000000297
Date	Sep 9, 2025
Instrument	202509090297

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	302 Months
Due	Nov 1, 2050

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3243 HIGHGATE TERRACE LOOP, FOLSOM, CA 95630-6965
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3243 HIGHGATE TERRACE LOOP, FOLSOM, CA 95630-6965

Mortgage

Document Number	0000000566
Date	Jul 9, 2024
Instrument	202407090566

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	316 Months
Due	Nov 1, 2050

October 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 16, 2020
Property Address	3243 HIGHGATE TERRACE LOOP, FOLSOM, CA 95630-6965
Document Number	2010160857
Instrument Date	Oct 1, 2020
Instrument	2010160857
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 3, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$682.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3243 HIGHGATE TERRACE LOOP FOLSOM CA 95630, FOLSOM, CA 95630

Mortgage

Document Number	2010160858
Date	Oct 16, 2020
Instrument	2010160858

Lender

Name	FBC MTG
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2050

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SACRAMENTO CA
Property Address	3243 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 on Record

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 8, 2020
Property Address	3243 HIGHGATE TERRACE LOOP, FOLSOM, CA 95630-6965
Document Number	2007081868
Instrument Date	Jun 29, 2020
Instrument	2007081868
Transaction Type	Construction Loan
Record Updated	Oct 29, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	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 on Record

Interest

Rate Type	Adjustable Rate

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 8, 2020
Property Address	3243 HIGHGATE TERRACE LOOP, FOLSOM, CA 95630-6965
Document Number	2004080601
Instrument Date	Apr 7, 2020
Instrument	2004080601
Transaction Type	Transfer
Record Updated	May 6, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Tax	$1,308.00
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

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SACRAMENTO CA
Property Address	3243 HIGHGATE TERRACE LOOP, FOLSOM, CA 95630-6965
Document Number	2004080602
Instrument Date	Mar 27, 2020
Transaction Type	Mortgage
Record Updated	May 8, 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

Mortgage

Document Number	2004080602
Date	Apr 8, 2020
Instrument	2004080602

Lender

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

Agreement

Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 31, 2019
Property Address	3243 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

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 29, 2019
Property Address	3243 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 on Record
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

Tax Assessment & Valuation

The 2025 property tax bill for 3243 Highgate Ter Loop was $12,282, up 8.3% 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		$684,427 (+2%) Land $220,814 Building $463,613
2025	$12,282.00 (+8.27%)	$671,008 Land $216,485 Building $454,523
2024	$11,344.00 (+5.09%)
2023	$10,795.00 (-2.28%)	$644,954 Land $208,080 Building $436,874
2022	$11,047.00

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

Flood

FEMA maps place 3243 Highgate Ter Loop 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
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

Wildfire risk around 3243 Highgate Ter Loop is moderate, ranking above 68% of the US, with a 0.3% annual chance of 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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