Sacramento County property record for 4048 Stephen Dr, North Highlands, CA 95660
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,001 sqft · built 1953 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $105,000 (Oct 2012) |
| Tax Bill | $1,550 (2025) |
| Deeds & Mortgages | Oct 2023 Transfer Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 218-0041-013-0000 |
| Primary APN | 218-0041-013-0000 |
|---|
| 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 |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 5,227 sqft (0.12 acres) |
| Garage Area | 286 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 4048 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 971 |
| Legal Subdivision | HIGHLAND TERRACE 03 |
| Legal Lot Number | 971 |
| Jurisdiction | SACRAMENTO CA |
| Township / Civil Division | SACRAMENTO |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 7403 |
4048 Stephen Dr is owner-occupied and held in a trust since October 2023.
Source: Sacramento County records, as of July 22, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 4048 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4577 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 11, 2023 | Intrafamily Transfer, Transfer |
| Aug 26, 2021 | Deed of Trust, Mortgage · Commercial Mortgage GUILD MORTGAGE CO |
| Aug 26, 2021 | Deed of Trust, Mortgage · Commercial Mortgage GUILD MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 9, 2012 · Amount on File |
| Deed Sale | Oct 9, 2012 · Amount on File |
| Prior Sale | Aug 8, 2012 · Amount on File |
| Deed Book / Page | 20121009 / 392 |
| Last Transfer Date | Oct 3, 2023 |
| Transfer Doc | 2023000803 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Recording Date | Oct 11, 2023 |
| Property Address | 4048 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4577 |
| Document Number | 0000000803 |
| Map Reference | MB 36 MAP 3 |
| Instrument Date | Oct 3, 2023 |
| Instrument | 202310110803 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 4048 STEPHEN DRIVE, SACRAMENTO, CA 95828 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 4048 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4577 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2021 |
| Title Company | ORANGE COAST TITLE COMPANY/NTHRN CA, ORANGE COAST TTL CO OF NOCAL |
| Name | Verified Name |
|---|---|
| Address | 4048 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4577 |
| Document Number | 2021082601463 |
|---|---|
| Date | Aug 26, 2021 |
| Instrument | 2021082601463 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 4048 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4577 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2021 |
| Title Company | ORANGE COAST TITLE COMPANY/NTHRN CA, ORANGE COAST TTL CO OF NOCAL |
| Name | Verified Name |
|---|---|
| Address | 4048 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4577 |
| Document Number | 2021082601462 |
|---|---|
| Date | Aug 26, 2021 |
| Instrument | 2021082601462 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 4048 Stephen Dr was $1,550, up 5% from the year before.
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 | $131,873 (+2%) Land $37,676 Building $94,197 | |
| 2025 | $1,550.00 (+5.01%) | $129,288 Land $36,938 Building $92,350 |
| 2024 | $1,476.00 (+5.13%) | |
| 2023 | $1,404.00 (+6.28%) Homeowner's exemption | $124,269 Land $35,504 Building $88,765 |
| 2022 | $1,321.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 4048 Stephen Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1995.
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 |
|
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.
The area around 4048 Stephen Dr has no burnable land within ember reach, so its wildfire risk is not rated.
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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