3950 E Commerce Way, Sacramento, CA 95834 Property Records

Sacramento County property record for 3950 E Commerce Way, Sacramento, CA 95834

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,311 sqft · built 2017
Lot Size	0.043 acres (1,873 sqft)
Owner	Individual Name on Record
Last Sale	$301,500 (Sep 2017)
Tax Bill	$4,478 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone A99 (high risk)
APN	`225-2560-036-0000`

Property Details

APN / Parcel Number

Primary APN	`225-2560-036-0000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,311 sqft Living Area
1st Floor Area	458 sqft
2nd Floor Area	853 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	H-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	1,873 sqft (0.043 acres)
Garage Area	426 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3950 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 176, NATOMAS FIELD PHASE 1A FILED IN BOOK 364 OF MAPS, PAGE 1, EXCEPTING THEREFROM A PORTION OF SAID LOT 176, DESCRIBED
Legal Subdivision	NATOMAS FIELD PHASE 1A
Legal Lot Number	176
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	3950 E COMMERCE WAY, SACRAMENTO, CA 95834-4011
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Dec 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC
Sep 19, 2017	Grant Deed, Subdivision Related Transfer · Conventional with PMI SUMMIT FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2017 · Amount on Record
Deed Sale	Sep 19, 2017 · Amount on Record
Deed Book / Page	20170919 / 134
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3950 E COMMERCE WAY, SACRAMENTO, CA 95834-4011
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3950 E COMMERCE WAY, SACRAMENTO, CA 95834-4011

Mortgage

Document Number	0000001031
Date	Jan 3, 2022
Instrument	2022010301031

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3950 E COMMERCE WAY, SACRAMENTO, CA 95834-4011
Document Number	2012290713
Instrument Date	Dec 17, 2020
Transaction Type	Mortgage
Record Updated	Jan 13, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3950 E COMMERCE WAY SACRAMENTO CA 958344011, SACRAMENTO, CA 95834-4011

Mortgage

Document Number	2012290713
Date	Dec 29, 2020
Instrument	2012290713

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 28, 2050

September 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 19, 2017
Property Address	3950 E COMMERCE WAY, SACRAMENTO, CA 95834-4011
Document Number	1709190134
Instrument Date	Jun 23, 2017
Instrument	1709190134
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 27, 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
Address	3950 E COMMERCE WAY SACRAMENTO CA 958344011, SACRAMENTO, CA 95834-4011

Mortgage

Document Number	1709190135
Date	Sep 19, 2017
Instrument	1709190135

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 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		$349,631 (+2%) Land $87,041 Building $262,590
2025	$4,478.00 (-3.8%) Homeowner's exemption	$342,777 (+4.04%) Land $85,335 Building $257,442
2024	$4,655.00 (+5.6%)
2023	$4,408.00 (+1.99%) Homeowner's exemption	$329,469 Land $82,022 Building $247,447
2022	$4,322.00

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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