3654 E Commerce Way, Sacramento, CA 95834 Property Records

Sacramento County property record for 3654 E Commerce Way, Sacramento, CA 95834

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,263 sqft · built 2019
Lot Size	0.033 acres (1,454 sqft)
Owner	Individual Name on Record
Last Sale	$248,500 (Apr 2020)
Tax Bill	$3,801 (2025)
Deeds & Mortgages	Apr 2020 Transfer Apr 2020 Sale & Mortgage
Flood Zone	Zone A99 (high risk)
APN	`225-3060-028-0000`

Property Details

APN / Parcel Number

Primary APN	`225-3060-028-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,263 sqft Living Area
1st Floor Area	474 sqft
2nd Floor Area	789 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	1,454 sqft (0.033 acres)
Garage Area	409 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3654 E COMMERCE WAY
City	SACRAMENTO
State	CA
Zip	95834-4034
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3-PUD
Legal Description	NATOMAS FIELD PHASE 3B-1, LOT 28, UNIT:: 0, BLOCK:: 0, BLDG:: 0
Legal Subdivision	NATOMAS FIELD PHASE 3B-1
Legal Lot Number	28
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	3
Census Block	3011
Census Tract	7028

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	Individual Name on Record
Mailing Address	3654 E COMMERCE WAY, SACRAMENTO, CA 95834-4034
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2020	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Apr 24, 2020	Grant Deed, Subdivision Related Transfer CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2020 · Amount on Record
Deed Sale	Apr 24, 2020 · Amount on Record
Deed Book / Page	20200424 / 879
Prior Transfer Date	Apr 21, 2020
Prior Transfer Doc	4240000000880
Record Updated	Sep 20, 2026

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 24, 2020
Property Address	3654 E COMMERCE WAY, SACRAMENTO, CA 95834-4034
Document Number	2004240880
Instrument Date	Apr 21, 2020
Instrument	2004240880
Transaction Type	Transfer
Record Updated	May 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
Relationship	Separate Estate/Property
Address	3654 E COMMERCE WAY SACRAMENTO CA 958344034, SACRAMENTO, CA 95834-4034

April 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 24, 2020
Property Address	3654 E COMMERCE WAY, SACRAMENTO, CA 95834-4034
Document Number	2004240879
Instrument Date	Mar 31, 2020
Instrument	2004240879
Transaction Type	Subdivision Related Transfer
Record Updated	May 15, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$273.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3654 E COMMERCE WAY SACRAMENTO CA 958344034, SACRAMENTO, CA 95834-4034

Mortgage

Document Number	2004240881
Date	Apr 24, 2020
Instrument	2004240881

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 2050

Tax Assessment & Valuation

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	Natomas Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$277,126 (+2%) Land $111,550 Building $165,576
2025	$3,801.00 (-3.6%)	$271,693 (+4.04%) Land $109,363 Building $162,330
2024	$3,943.00 (+5.4%)
2023	$3,741.00 (+2.41%)	$261,145 Land $105,117 Building $156,028
2022	$3,653.00

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 A99 high risk · federal flood protection under construction
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 646 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	646 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	Low lower than 97% of the US · lower than 97.8% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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 816 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
unWired Broadband Fixed Wireless	400 / 50
Succeed.Net Fixed Wireless	100 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Fidium Fiber.

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