3744 E Commerce Way, Sacramento, CA 95834 Property Records

Sacramento County property record for 3744 E Commerce Way, Sacramento, CA 95834

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,191 sqft · built 2018
Lot Size	0.032 acres (1,406 sqft)
Owner	Individual Name on Record
Last Sale	$388,000 (Dec 2018)
Tax Bill	$5,740 (2025)
Deeds & Mortgages	Nov 2020 Mortgage May 2020 Construction Loan + 2 more
Flood Zone	Zone A99 (high risk)
APN	`225-2830-011-0000`

Property Details

APN / Parcel Number

Primary APN	`225-2830-011-0000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	1,191 sqft Living Area
1st Floor Area	422 sqft
2nd Floor Area	769 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	1,406 sqft (0.032 acres)
Garage Area	404 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3744 E COMMERCE WAY
City	SACRAMENTO
State	CA
Zip	95834-4026
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3-PUD
Legal Description	NATOMAS FIELD PHASE 2, LOT 51, UNIT:: 0, BLOCK:: 0, BLDG:: 0
Legal Subdivision	NATOMAS FIELD PHASE 2
Legal Lot Number	51
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	3
Census Block	3015
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	3744 E COMMERCE WAY, SACRAMENTO, CA 95834-4026
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2020	Deed of Trust, Mortgage · Conventional with PMI OWNING CORP
May 22, 2020	Deed of Trust, Construction Loan · Construction Mortgage LHM FIN'L
Aug 6, 2019	Deed of Trust, Mortgage LHM FIN'L
Dec 31, 2018	Grant Deed, Subdivision Related Transfer · Conventional with PMI LHM FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2018 · Amount on Record
Deed Sale	Dec 31, 2018 · Amount on Record
Deed Book / Page	20181231 / 297
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3744 E COMMERCE WAY, SACRAMENTO, CA 95834-4026
Document Number	2011201306
Instrument Date	Nov 6, 2020
Transaction Type	Mortgage
Record Updated	Dec 10, 2020
Title Company	WFG NATIONAL TITLE INSURANCE, WFG NAT'L TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3744 E COMMERCE WAY SACRAMENTO CA 958344026, SACRAMENTO, CA 95834-4026

Mortgage

Document Number	2011201306
Date	Nov 20, 2020
Instrument	2011201306

Lender

Name	OWNING CORP
Address	ORANGE, CA 92868

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 19, 2050

May 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Recording Date	May 22, 2020
Property Address	3744 E COMMERCE WAY, SACRAMENTO, CA 95834-4026
Document Number	2005220891
Instrument Date	May 18, 2020
Instrument	2005220891
Transaction Type	Construction Loan
Record Updated	Jun 3, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3744 E COMMERCE WAY SACRAMENTO CA 958344026, SACRAMENTO, CA 95834-4026

Mortgage

Document Number	2005220891
Date	May 22, 2020
Instrument	2005220891

Lender

Name	LHM FIN'L
Type	Funding / Finance Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 21, 2021

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3744 E COMMERCE WAY, SACRAMENTO, CA 95834-4026
Document Number	1908130567
Instrument Date	Aug 6, 2019
Transaction Type	Mortgage
Record Updated	Aug 26, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3744 E COMMERCE WAY SACRAMENTO CA 958344026, SACRAMENTO, CA 95834-4026

Mortgage

Document Number	1908130567
Date	Aug 13, 2019
Instrument	1908130567

Lender

Name	LHM FIN'L
Type	Funding / Finance Company
Address	SCOTTSDALE, AZ 85254

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 12, 2049

December 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 31, 2018
Property Address	3744 E COMMERCE WAY, SACRAMENTO, CA 95834-4026
Document Number	1812310297
Instrument Date	Dec 6, 2018
Instrument	1812310297
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 14, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$426.80
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3744 E COMMERCE WAY SACRAMENTO CA 958344026, SACRAMENTO, CA 95834-4026

Mortgage

Document Number	1812310298
Date	Dec 31, 2018
Instrument	1812310298

Lender

Name	LHM FIN'L
Type	Funding / Finance Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 30, 2048

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		$441,224 (+2%) Land $96,712 Building $344,512
2025	$5,740.00 (-3.88%)	$432,573 (+4.04%) Land $94,816 Building $337,757
2024	$5,972.00 (+5.55%)
2023	$5,658.00 (+2.26%)	$415,778 Land $91,135 Building $324,643
2022	$5,533.00

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 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% 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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