4065 Stephen Dr, North Highlands, CA 95660 Property Records

Sacramento County property record for 4065 Stephen Dr, North Highlands, CA 95660

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,143 sqft · built 1955
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$255,000 (Oct 2018)
Tax Bill	$3,378 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`217-0232-048-0000`

Property Details

APN / Parcel Number

Primary APN	`217-0232-048-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,143 sqft Living Area
1st Floor Area	1,143 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.12 acres)
Garage Area	281 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4065 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	CHEVIOT HILLS, LOT 134
Legal Subdivision	CHEVIOT HILLS
Legal Lot Number	134
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	2
Census Block	2030
Census Tract	7403

Owner

4065 Stephen Dr is owned and occupied by an individual who bought it in October 2018.

Source: Sacramento County records, as of July 22, 2026

Owner of Record	Individual Name on File
Mailing Address	4065 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4569
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2020	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
Dec 18, 2019	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
Oct 1, 2018	Grant Deed, Transfer LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2018 · Amount on File
Deed Sale	Oct 1, 2018 · Amount on File
Prior Sale	Dec 22, 2008 · Amount on File
Deed Book / Page	20181001 / 1247
Prior Transfer Date	May 27, 2014
Prior Transfer Doc	0000000232
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4065 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4569
Document Number	2101050727
Instrument Date	Dec 23, 2020
Transaction Type	Mortgage
Record Updated	Jan 20, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4065 STEPHEN DR NORTH HIGHLANDS CA 956604569, NORTH HIGHLANDS, CA 95660-4569

Mortgage

Document Number	2101050727
Date	Jan 5, 2021
Instrument	2101050727

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 4, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4065 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4569
Document Number	1912270274
Instrument Date	Dec 18, 2019
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4065 STEPHEN DR NORTH HIGHLANDS CA 956604569, NORTH HIGHLANDS, CA 95660-4569

Mortgage

Document Number	1912270274
Date	Dec 27, 2019
Instrument	1912270274

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 26, 2049

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 1, 2018
Property Address	4065 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4569
Document Number	1810011247
Instrument Date	Sep 27, 2018
Instrument	1810011247
Transaction Type	Transfer
Record Updated	Oct 11, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4065 STEPHEN DR NORTH HIGHLANDS CA 956604569, NORTH HIGHLANDS, CA 95660-4569

Mortgage

Document Number	1810011248
Date	Oct 1, 2018
Instrument	1810011248

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 30, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4065 Stephen Dr was $3,378, up 5% from the year before.

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		$290,141 (+2%) Land $68,267 Building $221,874
2025	$3,378.00 (+5.04%)	$284,453 Land $66,929 Building $217,524
2024	$3,216.00 (-0.68%)
2023	$3,238.00 (+6.23%)	$273,409 Land $64,331 Building $209,078
2022	$3,048.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 4065 Stephen Dr in Zone X, an area of minimal flood risk.

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.

Wildfire

The area around 4065 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.

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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