4036 Stephen Dr, North Highlands, CA 95660 Property Records

Sacramento County property record for 4036 Stephen Dr, North Highlands, CA 95660

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,001 sqft · built 1953
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Nov 2011)
Tax Bill	$1,647 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`218-0041-010-0000`

Property Details

APN / Parcel Number

Primary APN	`218-0041-010-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,001 sqft Living Area
1st Floor Area	1,001 sqft
Family Room	Family Room

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Garage Area	286 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	4036 STEPHEN DR
City	NORTH HIGHLANDS
State	CA
Zip	95660-4577
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	HIGHLAND TERRACE 03, LOT 969
Legal Subdivision	HIGHLAND TERRACE 03
Legal Lot Number	969
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1001
Census Tract	7403

Owner

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	Individual Name on Record
Mailing Address	4036 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4577
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage SCHOOLS FIN'L CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2011 · Amount on Record
Deed Sale	Nov 29, 2011 · Amount on Record
Prior Sale	Mar 21, 2011 · Amount on Record
Deed Book / Page	20111129 / 1730
Prior Transfer Date	Apr 22, 2011
Prior Transfer Doc	4220000001034
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4036 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4577
Transaction Type	Mortgage
Record Updated	Oct 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4036 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4577

Mortgage

Document Number	0000000222
Date	Oct 6, 2022
Instrument	2022100600222

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Nov 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4036 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4577
Document Number	1907190328
Instrument Date	Jul 11, 2019
Transaction Type	Mortgage
Record Updated	Aug 6, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4036 STEPHEN DR NORTH HIGHLANDS CA 956604577, NORTH HIGHLANDS, CA 95660-4577

Mortgage

Document Number	1907190328
Date	Jul 19, 2019
Instrument	1907190328

Lender

Name	SCHOOLS FIN'L CU
Type	Credit Union
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 18, 2029

Tax Assessment & Valuation

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		$147,319 (+2%) Land $42,271 Building $105,048
2025	$1,647.00 (+5.11%) Homeowner's exemption	$144,432 (+4.04%) Land $41,443 Building $102,989
2024	$1,567.00 (-0.57%)
2023	$1,576.00 (+6.34%) Homeowner's exemption	$138,826 Land $39,835 Building $98,991
2022	$1,482.00

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	5 (1995–2024)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Jan 2024 · other causes
Claims by Event	Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 2 claims

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	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 755 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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