4044 Stephen Dr, North Highlands, CA 95660 Property Records

Sacramento County property record for 4044 Stephen Dr, North Highlands, CA 95660

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,287 sqft · built 1953
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Jun 2020)
Tax Bill	$4,069 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`218-0041-012-0000`

Property Details

APN / Parcel Number

Primary APN	`218-0041-012-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,287 sqft Living Area
Gross Area	1,573 sqft
1st Floor Area	1,287 sqft
Bonus Room	Bonus Room
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	8,276 sqft (0.19 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4044 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 970
Legal Subdivision	HIGHLAND TERRACE 03
Legal Lot Number	970
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4044 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4577
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Sep 7, 2023	Intrafamily Transfer, Transfer
Sep 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jun 9, 2020	Grant Deed, Transfer · Conventional with PMI UNITED WHOLESALE MTG
Nov 8, 2019	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Nov 8, 2019	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2020 · Amount on Record
Deed Sale	Jun 9, 2020 · Amount on Record
Prior Sale	Nov 8, 2019 · Amount on Record
Deed Book / Page	20200609 / 949
Prior Transfer Date	Jul 20, 1995
Prior Transfer Doc	9507000675
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4044 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4577
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4044 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4577

Mortgage

Document Number	0000000820
Date	Sep 3, 2021
Instrument	2021090300820

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	Sep 1, 2051

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 7, 2023
Property Address	4044 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4577
Document Number	0000000861
Map Reference	MB 36 MAP 3
Instrument Date	Jul 11, 2023
Instrument	202309070861
Transaction Type	Transfer
Record Updated	Sep 18, 2023

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
Address	4044 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4577

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4044 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4577
Transaction Type	Mortgage
Record Updated	Sep 16, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4044 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4577

Mortgage

Document Number	2021090300820
Date	Sep 3, 2021
Instrument	2021090300820

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	Sep 1, 2051

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 9, 2020
Property Address	4044 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4577
Document Number	2006090949
Instrument Date	Jun 5, 2020
Instrument	2006090949
Transaction Type	Transfer
Record Updated	Jun 19, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$352.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4044 STEPHEN DR NORTH HIGHLANDS CA 956604577, NORTH HIGHLANDS, CA 95660-4577

Mortgage

Document Number	2006090950
Date	Jun 9, 2020
Instrument	2006090950

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 8, 2050

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 8, 2019
Property Address	4044 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4577
Document Number	1911080937
Instrument Date	Nov 6, 2019
Instrument	1911080937
Transaction Type	Transfer
Record Updated	Nov 25, 2019
Title Company	FIRST AMERICAN 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	4313 WINJE DR ANTELOPE CA 958436030, ANTELOPE, CA 95843-6030

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 8, 2019
Property Address	4044 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4577
Document Number	1911080938
Instrument Date	Nov 4, 2019
Instrument	1911080938
Transaction Type	Transfer
Record Updated	Nov 25, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$218.90
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	4313 WINJE DR ANTELOPE CA 958436030, ANTELOPE, CA 95843-6030

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		$356,960 (+2%) Land $85,892 Building $271,068
2025	$4,069.00 (+5.11%) Homeowner's exemption	$349,961 (+4.04%) Land $84,208 Building $265,753
2024	$3,871.00 (-0.67%)
2023	$3,897.00 (+6.3%) Homeowner's exemption	$336,374 Land $80,939 Building $255,435
2022	$3,666.00

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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