4148 Stephen Dr, North Highlands, CA 95660 Property Records

Sacramento County property record for 4148 Stephen Dr, North Highlands, CA 95660

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,060 sqft · built 1953
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (May 2022)
Tax Bill	$4,528 (2025)
Deeds & Mortgages	Aug 2021 Mortgage May 2022 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`218-0051-013-0000`

Property Details

APN / Parcel Number

Primary APN	`218-0051-013-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,060 sqft Living Area
1st Floor Area	884 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	L-Shape
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	HVAC
Heating System	HVAC

Location & Zoning

Street Address	4148 STEPHEN DR
City	NORTH HIGHLANDS
State	CA
Zip	95660-4459
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	HIGHLAND TERRACE 03, LOT 990
Legal Subdivision	HIGHLAND TERRACE 03
Legal Lot Number	990
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1000
Census Tract	7403

Owner

Source: Sacramento County records, 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	2 Individual Names on Record
Mailing Address	4148 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 26, 2022	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
May 26, 2022	Grant Deed, Transfer · FHA Mortgage EVERGREEN MONEYSOURCE MORTGAGE CO
Aug 16, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 9, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Apr 26, 2019	Grant Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2022 · Amount on Record
Deed Sale	May 26, 2022 · Amount on Record
Prior Sale	Apr 26, 2019 · Amount on Record
Deed Book / Page	20220526 / 983
Prior Transfer Date	May 24, 2022
Prior Transfer Doc	2022000982
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4148 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4148 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459

Mortgage

Document Number	0000000697
Date	Aug 16, 2021
Instrument	202108160697

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Jul 1, 2050

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	May 26, 2022
Property Address	4148 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459
Document Number	0000000982
Map Reference	MB 36 MAP 3
Instrument Date	May 24, 2022
Instrument	2022052600982
Transaction Type	Transfer
Record Updated	Jun 8, 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	4216 77TH ST, SACRAMENTO, CA 95820-3627

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 26, 2022
Property Address	4148 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459
Document Number	0000000983
Map Reference	MB 36 MAP 3
Instrument Date	May 17, 2022
Instrument	2022052600983
Transaction Type	Transfer
Record Updated	Jun 8, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	4148 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459

Mortgage

Document Number	0000000984
Date	May 26, 2022
Instrument	2022052600984

Lender

Name	EVERGREEN MONEYSOURCE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4148 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459
Transaction Type	Mortgage
Record Updated	Aug 27, 2021
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4148 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459

Mortgage

Document Number	8160000000697
Date	Aug 16, 2021
Book Page	20210816/697

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Jul 1, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4148 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459
Document Number	2006160235
Instrument Date	Jun 9, 2020
Transaction Type	Mortgage
Record Updated	Jun 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4148 STEPHEN DR NORTH HIGHLANDS CA 956604459, NORTH HIGHLANDS, CA 95660-4459

Mortgage

Document Number	2006160235
Date	Jun 16, 2020
Instrument	2006160235

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 15, 2050

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 26, 2019
Property Address	4148 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459
Document Number	1904261404
Instrument Date	Apr 23, 2019
Instrument	1904261404
Transaction Type	Transfer
Record Updated	May 8, 2019
Title Company	ORANGE COAST TITLE COMPANY/NTHRN CA, ORANGE COAST TITLE CO/NTHRN CA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$279.40
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4148 STEPHEN DR NORTH HIGHLANDS CA 956604459, NORTH HIGHLANDS, CA 95660-4459

Mortgage

Document Number	1904261405
Date	Apr 26, 2019
Instrument	1904261405

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 2049

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		$389,674 (+2%) Land $97,418 Building $292,256
2025	$4,528.00 (-1.16%)	$382,034 (+4.04%) Land $95,508 Building $286,526
2024	$4,581.00 (+5.55%)
2023	$4,340.00 (+46.77%)	$367,200 Land $91,800 Building $275,400
2022	$2,957.00

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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