3956 Howard Ln, Loomis, CA 95650 Property Records

Placer County property record for 3956 Howard Ln, Loomis, CA 95650

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,749 sqft · built 1994
Lot Size	0.729 acres (31,754 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Aug 2012)
Tax Bill	$5,908 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Feb 2018 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`044-123-020-000`

Property Details

APN / Parcel Number

Primary APN	`044-123-020-000`
Alternative APN	`044-123-020`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,749 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Colonial
Construction Type	Frame
Lot Area	31,754 sqft (0.729 acres)
Garage Area	736 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	044-123-020
Street Address	3956 HOWARD LN
City	LOOMIS
State	CA
Zip	95650-9219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS10
Legal Description	FR SEC 9 11 7
Legal Subdivision	SAUNDERS COLONY
Jurisdiction	PLACER CA
Township / Civil Division	ROCKLIN
Census Block Group	1
Census Block	1026
Census Tract	21203

Owner

Source: Placer County records, as of July 13, 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 Record
Mailing Address	3956 HOWARD LN, LOOMIS, CA 95650-9219
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHERN SIERRA FINANCIAL SERVICES
Feb 15, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 13, 2020	Deed of Trust, Mortgage · Line of Credit US BANK TRUST CO NA
Jan 5, 2017	Deed of Trust, Mortgage · Conventional with PMI NORTHERN SIERRA FINANCIAL SERVICES NORTHERN SIERRA FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2012 · Amount on Record
Deed Sale	Aug 15, 2012 · Amount on Record
Prior Sale	Apr 15, 1994 · Amount on Record
Deed Document Number	201274150
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	3956 HOWARD LN, LOOMIS, CA 95650-9219
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028302
Date	Mar 30, 2020
Instrument	2020-0028302

Lender

Name	NORTHERN SIERRA FINANCIAL SERVICES
Type	Funding / Finance Company
Address	AUBURN, CA 95603

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	3956 HOWARD LN, LOOMIS, CA 95650-9219
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009684
Date	Feb 15, 2018
Instrument	2018-0009684

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 18, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	3956 HOWARD LN, LOOMIS, CA 95650-9219
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3956 HOWARD LN, LOOMIS, CA 95650-9219

Mortgage

Document Number	0000114323
Date	Oct 13, 2020
Instrument	2020-0114323

Lender

Name	US BANK TRUST CO NA
Type	Bank
Address	PORTLAND, OR 97204

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PLACER CA
Property Address	3956 HOWARD LN, LOOMIS, CA 95650-9219
Document Number	0000001619
Instrument Date	Jan 5, 2017
Transaction Type	Mortgage
Record Updated	Aug 15, 2018
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3956 HOWARD LN LOOMIS CA 956509219, LOOMIS, CA 95650-9219

Mortgage

Document Number	0000001619
Date	Jan 10, 2017
Instrument	1619

Lender

Name	NORTHERN SIERRA FINANCIAL SERVICES NORTHERN SIERRA FINANCIAL SERVICES
Type	Funding / Finance Company
Address	GRASS VALLEY, CA 95945

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 9, 2047

Tax Assessment & Valuation

Source: Placer County assessment roll, as of July 13, 2026

Property Jurisdictions

Type	Name
State	California
County	Placer County
Municipality	Loomis Town
Elementary School District	Loomis Union Elementary School District (KG - 08)
Secondary School District	Placer Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$542,921 (+2%) Land $150,720 Building $392,201
2025	$5,908.00 (+1.32%)	$532,276 (+4.04%) Land $147,765 Building $384,511
2023	$5,831.00 (+0.21%)	$511,609 Land $142,028 Building $369,581
2022	$5,819.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 17, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
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 20 policies
Nearby Flood Policies	20 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	Moderate above 43% of the US · lower than 74% of California
Wildfire Likelihood	0.07% 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	PLACER CWA - FOOTHILL serves 93,417 people · EPA ID CA3110025
Water Source	Surface water
Last State Inspection	Jan 2026
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 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: AT&T.

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