3696 Stephen Dr, North Highlands, CA 95660 Property Records

Sacramento County property record for 3696 Stephen Dr, North Highlands, CA 95660

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,604 sqft · built 1951
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,051 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`218-0022-008-0000`

Property Details

APN / Parcel Number

Primary APN	`218-0022-008-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,604 sqft Living Area
Gross Area	1,922 sqft
1st Floor Area	1,222 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3696 STEPHEN DR
City	NORTH HIGHLANDS
State	CA
Zip	95660-4531
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	NORTH HAVEN, LOT 316
Legal Subdivision	NORTH HAVEN
Legal Lot Number	316
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1002
Census Tract	7403

Owner

3696 Stephen Dr is owned and occupied by two individuals who acquired it in October 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	3696 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4531
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Oct 3, 2025	Deed of Trust, Mortgage · Commercial Mortgage GENARO GONZALEZ ETAL
Oct 20, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 7, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Oct 16, 2019	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Oct 16, 2019	Grant Deed, Transfer · FHA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2019
Deed Sale	Oct 16, 2019
Prior Sale	Oct 16, 2019 · Amount on File
Deed Book / Page	20191016 / 1253
Prior Transfer Date	Oct 11, 2019
Prior Transfer Doc	10160000001253
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3696 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4531
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3696 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4531

Mortgage

Document Number	0000001127
Date	Oct 3, 2025
Instrument	202510031127

Lender

Name	GENARO GONZALEZ ETAL
Type	Private Party
Address	8787 ARDITH DR, SACRAMENTO, CA 95828

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3696 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4531
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3696 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4531

Mortgage

Document Number	0000000720
Date	Oct 20, 2025
Instrument	202510200720

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3696 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4531
Document Number	2011200315
Instrument Date	Oct 7, 2020
Transaction Type	Mortgage
Record Updated	Dec 8, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3696 STEPHEN DR NORTH HIGHLANDS CA 956604531, NORTH HIGHLANDS, CA 95660-4531

Mortgage

Document Number	2011200315
Date	Nov 20, 2020
Instrument	2011200315

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2050

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 16, 2019
Property Address	3696 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4531
Document Number	1910161253
Instrument Date	Oct 11, 2019
Instrument	1910161253
Transaction Type	Transfer
Record Updated	Oct 29, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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	3696 STEPHEN DR NORTH HIGHLANDS CA 956604531, NORTH HIGHLANDS, CA 95660-4531

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 16, 2019
Property Address	3696 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4531
Document Number	1910161252
Instrument Date	Oct 9, 2019
Instrument	1910161252
Transaction Type	Transfer
Record Updated	Oct 29, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$302.50
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	3696 STEPHEN DR NORTH HIGHLANDS CA 956604531, NORTH HIGHLANDS, CA 95660-4531

Mortgage

Document Number	1910161254
Date	Oct 16, 2019
Instrument	1910161254

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3696 Stephen Dr was $6,051, up 6.1% from the year before.

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

Property Jurisdictions

Type	Name
State	California
County	Sacramento County
Unified School District	Twin Rivers Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$306,761 (+2%) Land $72,505 Building $234,256
2025	$6,051.00 (+6.08%)	$300,747 Land $71,084 Building $229,663
2024	$5,704.00 (+41.64%)
2023	$4,027.00 (-3.96%)	$289,071 Land $68,325 Building $220,746
2022	$4,193.00

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

Flood

FEMA maps place 3696 Stephen Dr in Zone X, an area of minimal flood risk, though there have been 5 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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	5 (1995–2024)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Jan 2024 · other causes
Claims by Event	Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 2 claims

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 3696 Stephen 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	SACRAMENTO SUBURBAN WATER DISTRICT serves 194,444 people · EPA ID CA3410001
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2023–2025) 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 658 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cal.net, GeoLinks, Succeed.Net.

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