3946 E Commerce Way, Sacramento, CA 95834 Property Records

Sacramento County property record for 3946 E Commerce Way, Sacramento, CA 95834

Property Summary

Property Type	Townhouse
Details	2 bd · 2 ba · 1,065 sqft · built 2017
Lot Size	0.033 acres (1,437 sqft)
Owner	Individual Name on Record
Last Sale	$396,000 (Jul 2021)
Tax Bill	$5,417 (2025)
Deeds & Mortgages	Jul 2021 Transfer Jul 2021 Sale & Mortgage + 5 more
Flood Zone	Zone A99 (high risk)
APN	`225-2560-037-0000`

Property Details

APN / Parcel Number

Primary APN	`225-2560-037-0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,065 sqft Living Area
1st Floor Area	340 sqft
2nd Floor Area	725 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	1,437 sqft (0.033 acres)
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3946 E COMMERCE WAY
City	SACRAMENTO
State	CA
Zip	95834-4011
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R-3-PUD
Legal Description	LOT 177, NATOMAS FIELD PHASE 1A FILED IN BOOK 364 OF MAPS, PAGE 1, TOGETHER WITH A PORTION OF LOT 176 DESCRIBED AS FOLLOWS:
Legal Subdivision	NATOMAS FIELD PHASE 1A
Legal Lot Number	177
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	3
Census Block	3016
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	4425 WOODBINE DR, STOCKTON, CA 95210-4505
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2021	Intrafamily Transfer, Transfer PLACER TITLE COMPANY
Jul 30, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 2, 2020	Deed of Trust, Mortgage · VA Mortgage TJC MTG
Feb 24, 2020	Deed of Trust, Mortgage · VA Mortgage TJC MTG
Dec 22, 2017	Deed of Trust, Mortgage · VA Mortgage INTERCAP LNDG
Sep 11, 2017	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE
Sep 11, 2017	Grant Deed, Subdivision Related Transfer · VA Mortgage SUMMIT FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2021 · Amount on Record
Deed Sale	Jul 30, 2021 · Amount on Record
Prior Sale	Sep 11, 2017
Deed Book / Page	20210730 / 2216
Prior Transfer Date	Sep 5, 2017
Prior Transfer Doc	9110000000031
Record Updated	Sep 20, 2026

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 30, 2021
Property Address	3946 E COMMERCE WAY, SACRAMENTO, CA 95834-4011
Document Number	0000002217
Map Reference	MB 364 PG 1
Instrument Date	Jul 29, 2021
Instrument	202107302217
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	PLACER TITLE COMPANY

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	Tenants in Severalty
Address	4425 WOODBINE DR, STOCKTON, CA 95210-4505

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 30, 2021
Property Address	3946 E COMMERCE WAY, SACRAMENTO, CA 95834-4011
Document Number	0000002216
Map Reference	MB 364 PG 1
Instrument Date	Jul 23, 2021
Instrument	202107302216
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	4425 WOODBINE DR, STOCKTON, CA 95210-4505

Mortgage

Document Number	0000002218
Date	Jul 30, 2021
Instrument	202107302218

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3946 E COMMERCE WAY, SACRAMENTO, CA 95834-4011
Document Number	2011241707
Instrument Date	Nov 2, 2020
Transaction Type	Mortgage
Record Updated	Dec 14, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3946 E COMMERCE WAY SACRAMENTO CA 958344011, SACRAMENTO, CA 95834-4011

Mortgage

Document Number	2011241707
Date	Nov 24, 2020
Instrument	2011241707

Lender

Name	TJC MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35243

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 23, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3946 E COMMERCE WAY, SACRAMENTO, CA 95834-4011
Document Number	2003030494
Instrument Date	Feb 24, 2020
Transaction Type	Mortgage
Record Updated	Mar 17, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL AGENCY SOLUTION

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3946 E COMMERCE WAY SACRAMENTO CA 958344011, SACRAMENTO, CA 95834-4011

Mortgage

Document Number	2003030494
Date	Mar 3, 2020
Instrument	2003030494

Lender

Name	TJC MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35243

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3946 E COMMERCE WAY, SACRAMENTO, CA 95834-4011
Document Number	1801040063
Instrument Date	Dec 22, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2018
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3946 E COMMERCE WAY SACRAMENTO CA 958344011, SACRAMENTO, CA 95834-4011

Mortgage

Document Number	1801040063
Date	Jan 4, 2018
Instrument	1801040063

Lender

Name	INTERCAP LNDG
Address	DRAPER, UT 84020

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 3, 2048

Interest

Rate Type	Adjustable Rate
Rate	2.25%

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 11, 2017
Property Address	3946 E COMMERCE WAY, SACRAMENTO, CA 95834-4011
Document Number	1709110031
Instrument Date	Sep 5, 2017
Instrument	1709110031
Transaction Type	Transfer
Record Updated	Sep 19, 2017
Title Company	FIDELITY NATIONAL TITLE

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	3946 E COMMERCE WAY SACRAMENTO CA 958344011, SACRAMENTO, CA 95834-4011

September 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 11, 2017
Property Address	3946 E COMMERCE WAY, SACRAMENTO, CA 95834-4011
Document Number	1709110030
Instrument Date	Jun 23, 2017
Instrument	1709110030
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 19, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$331.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3946 E COMMERCE WAY SACRAMENTO CA 958344011, SACRAMENTO, CA 95834-4011

Mortgage

Document Number	1709110032
Date	Sep 11, 2017
Instrument	1709110032

Lender

Name	SUMMIT FNDG
Type	Funding / Finance Company
Address	SACRAMENTO, CA 95815

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 10, 2047

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		$428,641 (+2%) Land $108,242 Building $320,399
2025	$5,417.00 (-4%)	$420,237 (+4.04%) Land $106,120 Building $314,117
2024	$5,643.00 (+5.69%)
2023	$5,339.00 (+3.59%)	$403,920 Land $102,000 Building $301,920
2022	$5,154.00

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 99.8% of the US · lower than 99.8% 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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