3651 E Curtis Dr, Sacramento, CA 95818 Property Records

Sacramento County property record for 3651 E Curtis Dr, Sacramento, CA 95818

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,910 sqft · built 1940
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Oct 2012)
Tax Bill	$9,449 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Mar 2024 Line of Credit + 4 more
Flood Zone	Zone X (reduced by levee)
APN	`013-0371-013-0000`

Property Details

APN / Parcel Number

Primary APN	`013-0371-013-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,910 sqft Living Area
1st Floor Area	1,535 sqft
2nd Floor Area	1,053 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3651 E CURTIS DR
City	SACRAMENTO
State	CA
Zip	95818-4456
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	SOUTH CURTIS OAKS 03, LOT 11
Legal Subdivision	SOUTH CURTIS OAKS 03
Legal Lot Number	11
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1017
Census Tract	2500

Owner

3651 E Curtis Dr is owned and occupied by two individuals who bought it in October 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	3651 E CURTIS DR, SACRAMENTO, CA 95818-4456
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
Jun 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Mar 19, 2024	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jun 7, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jun 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jul 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Mar 20, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2012 · Amount on File
Deed Sale	Oct 18, 2012 · Amount on File
Prior Sale	Aug 10, 2007 · Amount on File
Deed Book / Page	20121018 / 1424
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3651 E CURTIS DR, SACRAMENTO, CA 95818-4456
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3651 E CURTIS DR, SACRAMENTO, CA 95818-4456

Mortgage

Document Number	0000001177
Date	Jun 9, 2021
Instrument	202106091177

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jun 1, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3651 E CURTIS DR, SACRAMENTO, CA 95818-4456
Transaction Type	Mortgage
Record Updated	Apr 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3651 E CURTIS DR, SACRAMENTO, CA 95818-4456

Mortgage

Document Number	0000000446
Date	Mar 19, 2024
Instrument	202403190446

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 6, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3651 E CURTIS DR, SACRAMENTO, CA 95818-4456
Transaction Type	Mortgage
Record Updated	Jun 17, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3651 E CURTIS DR, SACRAMENTO, CA 95818-4456

Mortgage

Document Number	0000000848
Date	Jun 7, 2022
Instrument	2022060700848

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	SACRAMENTO, CA 95818

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3651 E CURTIS DR, SACRAMENTO, CA 95818-4456
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3651 E CURTIS DR, SACRAMENTO, CA 95818-4456

Mortgage

Document Number	6090000001177
Date	Jun 9, 2021
Book Page	20210609/1177

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jun 1, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3651 E CURTIS DR, SACRAMENTO, CA 95818-4456
Document Number	2007300231
Instrument Date	Jul 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3651 E CURTIS DR SACRAMENTO CA 958184456, SACRAMENTO, CA 95818-4456

Mortgage

Document Number	2007300231
Date	Jul 30, 2020
Instrument	2007300231

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 29, 2035

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3651 E CURTIS DR, SACRAMENTO, CA 95818-4456
Document Number	2004020332
Instrument Date	Mar 20, 2020
Transaction Type	Mortgage
Record Updated	May 1, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3651 E CURTIS DR SACRAMENTO CA 958184456, SACRAMENTO, CA 95818-4456

Mortgage

Document Number	2004020332
Date	Apr 2, 2020
Instrument	2004020332

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3651 E Curtis Dr was $9,449 with a homeowner's exemption, up 1.4% from the year before.

Source: Sacramento County assessment roll, as of July 22, 2026

Property Jurisdictions

Type	Name
State	California
County	Sacramento County
Municipality	Sacramento City
Unified School District	Sacramento City Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$816,424 (+2%) Land $188,401 Building $628,023
2025	$9,449.00 (+1.44%) Homeowner's exemption	$800,416 Land $184,707 Building $615,709
2024	$9,315.00 (+2.42%)
2023	$9,095.00 (+1.7%) Homeowner's exemption	$769,337 Land $177,536 Building $591,801
2022	$8,943.00

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

Flood

FEMA maps place 3651 E Curtis Dr in Zone X, where a levee reduces flood risk, though there have been 3 flood claims nearby since 1995.

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 59 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	3 (1995–2022)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Dec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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

The area around 3651 E Curtis Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	CITY OF SACRAMENTO MAIN state or territorial government · serves 527,979 people · EPA ID CA3410020
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2021–2023) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 687 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Fidium Fiber Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
unWired Broadband Fixed Wireless	400 / 50

May also be available: GeoLinks, Succeed.Net, T-Mobile.

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