Sacramento County property record for 4045 Stephen Dr, North Highlands, CA 95660
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,424 sqft · built 1955 |
| Lot Size | 0.255 acres (11,125 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $423,000 (Jul 2024) |
| Tax Bill | $4,931 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 217-0232-063-0000 |
| Primary APN | 217-0232-063-0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,424 sqft Living Area |
| Gross Area | 1,705 sqft |
| 1st Floor Area | 1,424 sqft |
| Family Room | Family Room |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 11,125 sqft (0.255 acres) |
| Garage Area | 583 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 4045 STEPHEN DR |
|---|---|
| City | NORTH HIGHLANDS |
| State | CA |
| Zip | 95660-4569 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RD-5 |
| Legal Description | LOTS A & 139 CHEVIOT HILLS EXC. S. 69 FT. OF W. 1/2 OF SD.LOT A, SD. S. 69 FT. BEING MEASURED ALG. THE W. LINE OF SD.LOT A. |
| Legal Subdivision | CHEVIOT HILLS |
| Legal Lot Number | A |
| Jurisdiction | SACRAMENTO CA |
| Township / Civil Division | SACRAMENTO |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 7403 |
Source: Sacramento County records, as of September 3, 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 | 4045 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4569 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 9, 2024 · Amount on Record |
| Deed Sale | Jul 9, 2024 · Amount on Record |
| Prior Sale | Sep 5, 2008 · Amount on Record |
| Deed Book / Page | 20240709 / 24 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 4045 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4569 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4045 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4569 |
| Document Number | 0000001423 |
|---|---|
| Date | Jan 27, 2022 |
| Instrument | 2022012701423 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
Source: Sacramento County assessment roll, as of July 22, 2026
| Type | Name |
|---|---|
| State | California |
| County | Sacramento County |
| Unified School District | Twin Rivers Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $431,460 (+2%) Land $100,980 Building $330,480 | |
| 2025 | $4,931.00 (+117.61%) | $423,000 (+120.5%) Land $99,000 Building $324,000 |
| 2024 | $2,266.00 (-0.7%) | |
| 2023 | $2,282.00 (+6.19%) | $191,837 Land $95,300 Building $96,537 |
| 2022 | $2,149.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 | 3 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.
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.
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 |
| 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.
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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