406 Reading St, Folsom, CA 95630 Property Records

Sacramento County property record for 406 Reading St, Folsom, CA 95630

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 1960
Lot Size	0.138 acres (6,000 sqft)
Owner	Company Name on File
Last Sale	$570,000 (Apr 2018)
Tax Bill	$7,073 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Oct 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`070-0095-017-0000`

Property Details

APN / Parcel Number

Primary APN	`070-0095-017-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,000 sqft (0.138 acres)
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	406 READING ST
City	FOLSOM
State	CA
Zip	95630-2419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	SELY60FT LOTS 1&2 BLK 47 CITY OF FOLSOM
Legal Subdivision	FOLSOM
Legal Block	47
Legal Lot Number	1,2
Jurisdiction	SACRAMENTO CA
Township / Civil Division	FOLSOM
Census Block Group	2
Census Block	2012
Census Tract	8404

Owner

Source: Sacramento County assessment roll, 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	Company Name on File
Mailing Address	3605 TRACEY RICH RD, 2C, SAINT LOUIS, MO 63125-6000
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Oct 1, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 25, 2018	Grant Deed, Transfer · Conventional Mortgage PEOPLES HM EQUITY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 25, 2018 · Amount on Record
Deed Sale	Apr 25, 2018 · Amount on Record
Prior Sale	May 27, 2005 · Amount on Record
Deed Book / Page	20180425 / 976
Prior Transfer Date	Jul 18, 1998
Prior Transfer Doc	9808000634
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	406 READING ST, FOLSOM, CA 95630-2419
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 REED ST 2, 2, MANCHESTER, NH 03102-3046

Mortgage

Document Number	0000001331
Date	Dec 30, 2021
Instrument	2021123001331

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 1, 2018
Property Address	406 READING ST, FOLSOM, CA 95630-2419
Document Number	1810010889
Instrument Date	Sep 24, 2018
Instrument	1810010889
Transaction Type	Transfer
Record Updated	Oct 11, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	406 READING ST FOLSOM CA 956302419, FOLSOM, CA 95630-2419

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 25, 2018
Property Address	406 READING ST, FOLSOM, CA 95630-2419
Document Number	1804250976
Instrument Date	Apr 23, 2018
Instrument	1804250976
Transaction Type	Transfer
Record Updated	May 3, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$627.00
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	406 READING ST FOLSOM CA 956302419, FOLSOM, CA 95630-2419

Mortgage

Document Number	1804250977
Date	Apr 25, 2018
Instrument	1804250977

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 24, 2048

Tax Assessment & Valuation

Source: Sacramento County assessment roll, as of July 22, 2026

Property Jurisdictions

Type	Name
State	California
County	Sacramento County
Municipality	Folsom City
Unified School District	Folsom-Cordova Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$661,526 (+2%) Land $270,564 Building $390,962
2025	$7,073.00 (+2.09%)	$648,556 (+4.04%) Land $265,259 Building $383,297
2024	$6,928.00 (+1.81%)
2023	$6,805.00 (+1.48%)	$623,373 Land $254,959 Building $368,414
2022	$6,706.00

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
Nearby Flood Policies	2 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	Not rated no burnable land within ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FOLSOM, CITY OF - MAIN serves 80,969 people · EPA ID CA3410014
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2024–2026) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 499 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Succeed.Net.

Nearby Properties on Reading St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures