4132 Stephen Dr, North Highlands, CA 95660 Property Records

Sacramento County property record for 4132 Stephen Dr, North Highlands, CA 95660

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,159 sqft · built 1953
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$355,000 (Mar 2023)
Tax Bill	$4,379 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`218-0051-009-0000`

Property Details

APN / Parcel Number

Primary APN	`218-0051-009-0000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,159 sqft Living Area
Gross Area	1,434 sqft
1st Floor Area	1,159 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	4132 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 986
Legal Subdivision	HIGHLAND TERRACE 03
Legal Lot Number	986
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1000
Census Tract	7403

Owner

4132 Stephen Dr is owned and occupied by an individual who bought it in March 2023.

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

Owner of Record	Individual Name on File
Mailing Address	4132 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4435
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
Mar 30, 2026	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Mar 14, 2023	Grant Deed, Transfer · VA Mortgage CAPITOL CITY REAL ESTATE INC
May 19, 2021	Intrafamily Transfer, Transfer
Dec 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage OPTION FNDG
Jul 10, 2018	Grant Deed, Transfer · Conventional with PMI LAND HM FIN'L SVCS INC
Jul 10, 2018	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2023 · Amount on File
Deed Sale	Mar 14, 2023 · Amount on File
Prior Sale	Jul 10, 2018 · Amount on File
Deed Book / Page	20230314 / 626
Prior Transfer Date	Jun 18, 1996
Prior Transfer Doc	9606001535
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4132 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4435
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2540 OAKLEY LN, WHEATLAND, CA 95692-9710

Mortgage

Document Number	0000000986
Date	Mar 30, 2026
Instrument	202603300986

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

March 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 14, 2023
Property Address	4132 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4435
Document Number	0000000626
Map Reference	MB 36 PG 3
Instrument Date	Mar 8, 2023
Instrument	2023031400626
Transaction Type	Transfer
Record Updated	Mar 23, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
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
Address	4132 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4435

Mortgage

Document Number	0000000627
Date	Mar 14, 2023
Instrument	2023031400627

Lender

Name	CAPITOL CITY REAL ESTATE INC
Type	Non-Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	May 19, 2021
Property Address	4132 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4435
Document Number	0000001729
Map Reference	MB 36 PG 3
Instrument Date	May 7, 2021
Instrument	202105191729
Transaction Type	Transfer
Record Updated	May 15, 2026

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	4132 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4435

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4132 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4435
Document Number	2012301903
Instrument Date	Dec 23, 2020
Transaction Type	Mortgage
Record Updated	Jan 13, 2021
Title Company	FIRST AMERICAN TITLE COMPANY GLENDALE, FIRST AMERICAN TITLE CO GLENDA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4132 STEPHEN DR NORTH HIGHLANDS CA 956604435, NORTH HIGHLANDS, CA 95660-4435

Mortgage

Document Number	2012301903
Date	Dec 30, 2020
Instrument	2012301903

Lender

Name	OPTION FNDG
Type	Funding / Finance Company
Address	WESTLAKE VILLAGE, CA 91362

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 29, 2050

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 10, 2018
Property Address	4132 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4435
Document Number	1807101048
Instrument Date	Jun 27, 2018
Instrument	1807101048
Transaction Type	Transfer
Record Updated	Jul 18, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$253.00
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	4132 STEPHEN DR NORTH HIGHLANDS CA 956604435, NORTH HIGHLANDS, CA 95660-4435

Mortgage

Document Number	1807101049
Date	Jul 10, 2018
Instrument	1807101049

Lender

Name	LAND HM FIN'L SVCS INC
Address	CONCORD, CA 94520

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 9, 2048

Mortgage

Document Number	1807101050,
Date	Jul 10, 2018
Instrument	1807101050

Lender

Name	LAND HM FIN'L SVCS INC
Address	CONCORD, CA 94520

Agreement

Amount	Amount on Record

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 10, 2018
Property Address	4132 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4435
Document Number	1807101047
Instrument Date	Jun 25, 2018
Instrument	1807101047
Transaction Type	Transfer
Record Updated	Jul 17, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24338 EL TORO RD #E205 LAGUNA WOODS CA 926372776, E205, LAGUNA WOODS, CA 92637-2776

Tax Assessment & Valuation

The 2025 property tax bill for 4132 Stephen Dr was $4,379, down 34.7% 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		$376,728 (+2%) Land $95,508 Building $281,220
2025	$4,379.00 (-34.7%)	$369,342 Land $93,636 Building $275,706
2024	$6,706.00 (+129.42%)
2023	$2,923.00 (+6.21%)	$246,603 Land $64,331 Building $182,272
2022	$2,752.00

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

Flood

FEMA maps place 4132 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	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

Wildfire risk around 4132 Stephen Dr is low, with less than a 0.01% annual chance of 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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