3531 Panorama Dr, Folsom, CA 95630 Property Records

Sacramento County property record for 3531 Panorama Dr, Folsom, CA 95630

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,012 sqft · built 2023
Lot Size	0.135 acres (5,887 sqft)
Owner	2 Trust Names on File
Last Sale	$996,500 (Sep 2023)
Tax Bill	$7,783 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`072-4160-008-0000`

Property Details

APN / Parcel Number

Primary APN	`072-4160-008-0000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,012 sqft Living Area
1st Floor Area	2,012 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Roof Material	Other
Lot Area	5,887 sqft (0.135 acres)
Garage Area	449 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	3531 PANORAMA DR
City	FOLSOM
State	CA
Zip	95630-6094
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SP-SFHD (P
Legal Subdivision	TOLL BROTHERS AT FOLSOM RANCH PHASE 1E
Jurisdiction	SACRAMENTO CA
Township / Civil Division	FOLSOM
Census Block Group	4
Census Block	4024
Census Tract	8508

Owner

3531 Panorama Dr is owner-occupied and held in a trust since September 2023.

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

Owner of Record	2 Trust Names on File
Mailing Address	3531 PANORAMA DR, FOLSOM, CA 95630-6094
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Dec 8, 2025	Deed of Trust, Mortgage · VA Mortgage ASSET FINANCIAL CENTER INC
Sep 29, 2023	Grant Deed, Transfer · VA Mortgage ASSET FINANCIAL CENTER INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2023 · Amount on File
Deed Sale	Sep 29, 2023 · Amount on File
Deed Book / Page	20230929 / 725
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3531 PANORAMA DR, FOLSOM, CA 95630-6094
Transaction Type	Mortgage
Record Updated	Dec 22, 2025
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3531 PANORAMA DR, FOLSOM, CA 95630-6094

Mortgage

Document Number	0000000447
Date	Dec 8, 2025
Instrument	202512080447

Lender

Name	ASSET FINANCIAL CENTER INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95811

Agreement

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

September 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 29, 2023
Property Address	3531 PANORAMA DR, FOLSOM, CA 95630
Document Number	0000000725
Map Reference	MB 438 PG 6
Instrument Date	Aug 23, 2023
Instrument	202309290725
Transaction Type	Transfer
Record Updated	Oct 11, 2023
Title Company	WESTMINSTER TITLE COMPANY INC, WESTMINSTER TITLE CO INC

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
Address	3531 PANORAMA DR, FOLSOM, CA 95630

Mortgage

Document Number	0000000726
Date	Sep 29, 2023
Instrument	202309290726

Lender

Name	ASSET FINANCIAL CENTER INC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 3531 Panorama Dr was $7,783 with a homeowner's exemption, down 45.8% 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		$477,912 (+2%) Land $143,364 Building $334,548
2025	$7,783.00 (-45.82%) Homeowner's exemption	$468,542 Land $140,553 Building $327,989
2024	$14,364.00 (+278.3%)
2023	$3,797.00	$137,737 Land $137,737

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.

Flood

FEMA maps place 3531 Panorama 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
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 3531 Panorama Dr is high, ranking above 72% 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	High above 72% of the US · above 47% 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 108 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
Zeta Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20

May also be available: Succeed.Net, unWired Broadband, Verizon.

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