3704 Stephen Dr, North Highlands, CA 95660 Property Records

Sacramento County property record for 3704 Stephen Dr, North Highlands, CA 95660

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,047 sqft · built 1953
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$375,000 (Feb 2025)
Tax Bill	$3,296 (2025)
Deeds & Mortgages	Feb 2025 Sale & Mortgage Jul 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`218-0031-002-0000`

Property Details

APN / Parcel Number

Primary APN	`218-0031-002-0000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,047 sqft Living Area
1st Floor Area	1,047 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)
Garage Area	236 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	3704 STEPHEN DR
City	NORTH HIGHLANDS
State	CA
Zip	95660-4533
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	HIGHLAND TERRACE 01, LOT 738
Legal Subdivision	HIGHLAND TERRACE 01
Legal Lot Number	738
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1002
Census Tract	7403

Owner

3704 Stephen Dr is owned and occupied by an individual who bought it in February 2025.

Source: Sacramento County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	3704 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4533
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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
Feb 11, 2025	Grant Deed, Transfer · FHA Mortgage KIND LENDING LLC
Jul 17, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage FREEDOM MTG
Feb 8, 2018	Deed of Trust, Mortgage CAPITELLI SOLO 401 K P/TR (CT)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 11, 2025 · Amount on File
Deed Sale	Feb 11, 2025 · Amount on File
Prior Sale	Jul 17, 2018 · Amount on File
Deed Book / Page	20250211 / 592
Prior Transfer Date	Dec 4, 1997
Prior Transfer Doc	9712000650
Record Updated	Oct 29, 2026

February 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Feb 11, 2025
Property Address	3704 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4533
Document Number	0000000592
Map Reference	MB 34 MAP 20
Instrument Date	Feb 7, 2025
Instrument	202502110592
Transaction Type	Transfer
Record Updated	Feb 26, 2025
Title Company	WFG TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3704 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4533

Mortgage

Document Number	0000000593
Date	Feb 11, 2025
Instrument	202502110593

Lender

Name	KIND LENDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2055

Mortgage

Document Number	0000000594
Date	Feb 11, 2025
Instrument	202502110594

Lender

Name	KIND LENDING LLC
Type	Mortgage Company
Address	SANTA ANA, CA 92707

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Mar 1, 2035

July 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 17, 2018
Property Address	3704 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4533
Document Number	1807171028
Instrument Date	Jul 13, 2018
Instrument	1807171028
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 26, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.50
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	3704 STEPHEN DR NORTH HIGHLANDS CA 956604533, NORTH HIGHLANDS, CA 95660-4533

Mortgage

Document Number	1807171029
Date	Jul 17, 2018
Instrument	1807171029

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 16, 2048

Mortgage

Document Number	1807171030,
Date	Jul 17, 2018
Instrument	1807171030

Lender

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

Agreement

Amount	Amount on Record

Interest

Rate	10%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3704 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4533
Document Number	1802260729
Instrument Date	Feb 8, 2018
Transaction Type	Mortgage
Record Updated	Mar 8, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	181 LYMAN CIR SACRAMENTO CA 958351230, SACRAMENTO, CA 95835-1230

Mortgage

Document Number	1802260729
Date	Feb 26, 2018
Instrument	1802260729

Lender

Name	CAPITELLI SOLO 401 K P/TR (CT)
Address	1891 SOLANO AVE, BERKELEY, CA 94707-2306

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 3704 Stephen Dr was $3,296, up 5.1% 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		$382,500 (+34.47%) Land $91,800 Building $290,700
2025	$3,296.00 (+5.1%)	$284,453 Land $66,929 Building $217,524
2024	$3,136.00 (-0.63%)
2023	$3,156.00 (+6.3%) Homeowner's exemption	$273,409 Land $64,331 Building $209,078
2022	$2,969.00

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

Flood

FEMA maps place 3704 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 3704 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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