3604 Esplanade Cir, Folsom, CA 95630 Property Records

Sacramento County property record for 3604 Esplanade Cir, Folsom, CA 95630

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,501 sqft · built 2004
Owner	Trust Name on File
Last Sale	$520,000 (Dec 2021)
Tax Bill	$6,345 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Jul 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`071-1810-026-0044`

Property Details

APN / Parcel Number

Primary APN	`071-1810-026-0044`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,501 sqft Living Area
1st Floor Area	759 sqft
2nd Floor Area	742 sqft
Bonus Room	Bonus Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Garage Area	451 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3604 ESPLANADE CIR
City	FOLSOM
State	CA
Zip	95630-7380
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SP-RM-17 (
Legal Description	PARCEL MAP 172-021 BLDG 21 UNIT 3604
Legal Subdivision	ESPLANADE PH 02
Legal Lot Number	1
Jurisdiction	SACRAMENTO CA
Township / Civil Division	FOLSOM
Census Block Group	3
Census Block	3006
Census Tract	8501

Owner

3604 Esplanade Cir, a condominium, is held in a trust since December 2021.

Source: Sacramento County records, as of September 3, 2026

Owner of Record	Trust Name on File
Mailing Address	829 BANDOL WAY, SAN RAMON, CA 94582-4673
Owner Type	Company
Vesting	Trust, Living 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 3, 2021	Grant Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC
Jul 24, 2020	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Jul 24, 2020	Quit Claim Deed, Transfer FINANCE OF AMERICA MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2021 · Amount on File
Deed Sale	Dec 3, 2021 · Amount on File
Prior Sale	Jun 25, 2004 · Amount on File
Deed Document Number	2021784
Deed Book / Page	20211203 / 784
Prior Transfer Date	Feb 19, 2009
Prior Transfer Doc	0000000068
Record Updated	Oct 29, 2026

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 3, 2021
Property Address	3604 ESPLANADE CIR, FOLSOM, CA 95630-7380
Document Number	0000000784
Map Reference	MB 2003-1020 PG 2605
Instrument Date	Nov 29, 2021
Instrument	2021120300784
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	PLACER 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	Living Trust
Address	829 BANDOL WAY, SAN RAMON, CA 94582-4673

Mortgage

Document Number	0000000785
Date	Dec 3, 2021
Instrument	2021120300785

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 24, 2020
Property Address	3604 ESPLANADE CIR, FOLSOM, CA 95630-7380
Document Number	2007240905
Instrument Date	Jul 17, 2020
Instrument	2007240905
Transaction Type	Transfer
Record Updated	Aug 11, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3604 ESPLANADE CIR FOLSOM CA 956307380, FOLSOM, CA 95630-7380

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 24, 2020
Property Address	3604 ESPLANADE CIR, FOLSOM, CA 95630-7380
Document Number	2007240903
Instrument Date	Jul 7, 2020
Instrument	2007240903
Transaction Type	Transfer
Record Updated	Aug 13, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3604 ESPANADE CIR FOLSOM CA 95630, FOLSOM, CA 95630

Mortgage

Document Number	2007240904
Date	Jul 24, 2020
Instrument	2007240904

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jul 23, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 3604 Esplanade Cir was $6,345, up 2% 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		$562,864 (+2%) Land $135,304 Building $427,560
2025	$6,345.00 (+2.01%)	$551,828 Land $132,651 Building $419,177
2024	$6,220.00 (+1.7%)
2023	$6,116.00 (+1.43%)	$530,400 Land $127,500 Building $402,900
2022	$6,030.00

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

Flood

FEMA maps place 3604 Esplanade Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 3604 Esplanade Cir is moderate, ranking above 40% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 76% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 375 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Cal.net Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Succeed.Net, Verizon.

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