3912 Fargo Way, North Highlands, CA 95660 Property Records

Sacramento County property record for 3912 Fargo Way, North Highlands, CA 95660

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,156 sqft · built 1957
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Jul 2013)
Tax Bill	$1,961 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`200-0291-021-0000`

Property Details

APN / Parcel Number

Primary APN	`200-0291-021-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,156 sqft Living Area
1st Floor Area	1,156 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3912 FARGO WAY
City	NORTH HIGHLANDS
State	CA
Zip	95660-3716
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	LARCHMONT VILLAGE 06 EXC M/R, LOT 872
Legal Subdivision	LARCHMONT VILLAGE 06 EXC M/R
Legal Lot Number	872
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	3
Census Block	3008
Census Tract	7402

Owner

3912 Fargo Way is owned and occupied by two individuals who acquired it in January 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3912 FARGO WAY, NORTH HIGHLANDS, CA 95660-3716
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Feb 5, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage SCHOOLSFIRST FCU
Jun 19, 2017	Quit Claim Deed, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2013 · Amount on File
Deed Sale	Jul 26, 2013 · Amount on File
Deed Book / Page	20130726 / 893
Last Transfer Date	Jan 14, 2021
Transfer Doc	2050000000178
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3912 FARGO WAY, NORTH HIGHLANDS, CA 95660-3716
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3912 FARGO WAY, NORTH HIGHLANDS, CA 95660-3716

Mortgage

Document Number	0000000375
Date	Mar 23, 2026
Instrument	202603230375

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Feb 5, 2021
Property Address	3912 FARGO WAY, NORTH HIGHLANDS, CA 95660-3716
Document Number	0000000178
Map Reference	MB 42 PG 4
Instrument Date	Jan 14, 2021
Instrument	202102050178
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3912 FARGO WAY, NORTH HIGHLANDS, CA 95660-3716

Mortgage

Document Number	0000000179
Date	Feb 5, 2021
Instrument	202102050179

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2036

June 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 19, 2017
Property Address	3912 FARGO WAY, NORTH HIGHLANDS, CA 95660-3716
Document Number	1706190007
Instrument Date	Jun 12, 2017
Instrument	1706190007
Transaction Type	Mortgage
Record Updated	Aug 1, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3912 FARGO WAY NORTH HIGHLANDS CA 956603716, NORTH HIGHLANDS, CA 95660-3716

Mortgage

Document Number	1706190008
Date	Jun 19, 2017
Instrument	1706190008

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 18, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 3912 Fargo Way was $1,961, 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		$168,788 (+2%) Land $50,009 Building $118,779
2025	$1,961.00 (+5.09%)	$165,479 Land $49,029 Building $116,450
2024	$1,866.00 (-0.69%)
2023	$1,879.00 (+6.22%)	$159,055 Land $47,126 Building $111,929
2022	$1,769.00

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

Flood

FEMA maps place 3912 Fargo Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 32 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	32 in force
Nearby Flood Claims	4 (1995–2017)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jan 2017 · Severe Winter Storms, Flooding, And Mudslides

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 3912 Fargo Way 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 786 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Cal.net Fixed Wireless	100 / 20

May also be available: Verizon.

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