Sacramento County property record for 3716 Stephen Dr, North Highlands, CA 95660
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,454 sqft · built 1953 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $260,000 (Jan 2018) |
| Tax Bill | $3,430 (2025) |
| Deeds & Mortgages | Oct 2019 Mortgage Jan 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 218-0031-005-0000 |
| Primary APN | 218-0031-005-0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,454 sqft Living Area |
| Gross Area | 1,685 sqft |
| 1st Floor Area | 1,278 sqft |
| Family Room | Family Room |
| Utility Room | Utility Room |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 5,663 sqft (0.13 acres) |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 3716 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 741 |
| Legal Subdivision | HIGHLAND TERRACE 01 |
| Legal Lot Number | 741 |
| Jurisdiction | SACRAMENTO CA |
| Township / Civil Division | SACRAMENTO |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 7403 |
3716 Stephen Dr is owned and occupied by two individuals who bought it in January 2018.
Source: Sacramento County records, as of July 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3716 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4533 |
| 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.
| Date | Document |
|---|---|
| Oct 21, 2019 | Deed of Trust, Mortgage · VA Mortgage AMERICAN PACIFIC MTG |
| Jan 24, 2018 | Grant Deed, Transfer · VA Mortgage AMERICAN PACIFIC MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 24, 2018 · Amount on File |
| Deed Sale | Jan 24, 2018 · Amount on File |
| Prior Sale | Mar 23, 2016 · Amount on File |
| Deed Book / Page | 20180124 / 1610 |
| Prior Transfer Date | Mar 16, 2016 |
| Prior Transfer Doc | 0000001254 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 3716 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4533 |
| Document Number | 1910281241 |
| Instrument Date | Oct 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3716 STEPHEN DR NORTH HIGHLANDS CA 956604533, NORTH HIGHLANDS, CA 95660-4533 |
| Document Number | 1910281241 |
|---|---|
| Date | Oct 28, 2019 |
| Instrument | 1910281241 |
| Name | AMERICAN PACIFIC MTG |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 27, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Recording Date | Jan 24, 2018 |
| Property Address | 3716 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4533 |
| Document Number | 1801241610 |
| Instrument Date | Jan 19, 2018 |
| Instrument | 1801241610 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2018 |
| Title Company | ORANGE COAST TITLE COMPANY/NTHRN CA |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $286.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3716 STEPHEN DR NORTH HIGHLANDS CA 956604533, NORTH HIGHLANDS, CA 95660-4533 |
| Document Number | 1801241611 |
|---|---|
| Date | Jan 24, 2018 |
| Instrument | 1801241611 |
| Name | AMERICAN PACIFIC MTG |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 23, 2048 |
The 2025 property tax bill for 3716 Stephen Dr was $3,430 with a homeowner's exemption, up 5.1% from the year before.
Source: Sacramento County assessment roll, as of July 22, 2026
| Type | Name |
|---|---|
| State | California |
| County | Sacramento County |
| Unified School District | Twin Rivers Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $301,746 (+2%) Land $69,632 Building $232,114 | |
| 2025 | $3,430.00 (+5.09%) Homeowner's exemption | $295,830 Land $68,267 Building $227,563 |
| 2024 | $3,264.00 (-0.64%) | |
| 2023 | $3,285.00 (+6.31%) Homeowner's exemption | $284,344 Land $65,617 Building $218,727 |
| 2022 | $3,090.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 3716 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 |
|
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.
The area around 3716 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.
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 |
| 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.
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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