4124 Stephen Dr, North Highlands, CA 95660 Property Records

Sacramento County property record for 4124 Stephen Dr, North Highlands, CA 95660

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 884 sqft · built 1953
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$395,000 (Jul 2026)
Tax Bill	$4,379 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`218-0051-007-0000`

Property Details

APN / Parcel Number

Primary APN	`218-0051-007-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	884 sqft Living Area
1st Floor Area	884 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.12 acres)
Garage Area	275 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4124 STEPHEN DR
City	NORTH HIGHLANDS
State	CA
Zip	95660-4435
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	HIGHLAND TERRACE 03, LOT 984
Legal Subdivision	HIGHLAND TERRACE 03
Legal Lot Number	984
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1000
Census Tract	7403

Owner

Source: Sacramento County records, as of August 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4124 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4435
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Grant Deed, Transfer · Conventional Mortgage EAST WEST BANK
Mar 13, 2023	Grant Deed, Transfer · FHA Mortgage SIERRA PACIFIC MORTGAGE CO INC
Apr 28, 2022	Intrafamily Transfer, Transfer · Commercial Mortgage KIAVI FUNDING INC
Oct 29, 2021	Grant Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Aug 25, 2017	Grant Deed, Transfer · FHA Mortgage PLAZA HM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2026 · Amount on Record
Deed Sale	Jul 27, 2026 · Amount on Record
Prior Sale	Mar 13, 2023 · Amount on Record
Deed Document Number	2026
Deed Book / Page	20260727 / 718
Prior Transfer Date	Feb 12, 2009
Prior Transfer Doc	0000000259
Record Updated	Sep 20, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 27, 2026
Property Address	4124 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4435
Document Number	2026000718
Book / Page	20260727 / 718
Instrument Date	Jun 3, 2026
Transaction Type	Transfer
Record Updated	Aug 5, 2026
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$43,884.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4124 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4435

Mortgage

Document Number	2026000719,
Date	Jul 27, 2026
Book Page	20260727/719

Lender

Name	EAST WEST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

March 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 13, 2023
Property Address	4124 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4435
Document Number	0000000845
Map Reference	MB 36 MAP 3
Instrument Date	Mar 10, 2023
Instrument	2023031300845
Transaction Type	Transfer
Record Updated	Mar 23, 2023
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4124 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4435

Mortgage

Document Number	0000000846
Date	Mar 13, 2023
Instrument	2023031300846

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2033

Mortgage

Document Number	0000000847
Date	Mar 13, 2023
Instrument	2023031300847

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	362 Months
Due	May 9, 2053

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 28, 2022
Property Address	4124 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4435
Document Number	0000000304
Map Reference	MB 36 MAP 3
Instrument Date	Apr 26, 2022
Instrument	2022042800304
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

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	7909 WALERGA RD, ANTELOPE, CA 95843-5727

Mortgage

Document Number	0000000305
Date	Apr 28, 2022
Instrument	2022042800305

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 29, 2021
Property Address	4124 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4435
Document Number	0000001402
Map Reference	MB 36 MAP 3
Instrument Date	Oct 28, 2021
Instrument	2021102901402
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1911 DOUGLAS BLVD, ROSEVILLE, CA 95661-3811

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 25, 2017
Property Address	4124 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4435
Document Number	1708251012
Instrument Date	Aug 14, 2017
Instrument	1708251012
Transaction Type	Transfer
Record Updated	Sep 4, 2017
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$228.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4124 STEPHEN DR NORTH HIGHLANDS CA 956604435, NORTH HIGHLANDS, CA 95660-4435

Mortgage

Document Number	1708251013
Date	Aug 25, 2017
Instrument	1708251013

Lender

Name	PLAZA HM MTG
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 24, 2047

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		$376,728 (+2%) Land $95,508 Building $281,220
2025	$4,379.00 (+5.06%)	$369,342 (+42.56%) Land $93,636 Building $275,706
2024	$4,168.00 (+35.77%)
2023	$3,070.00 (+6.23%)	$259,080 Land $91,800 Building $167,280
2022	$2,890.00

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	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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