4152 Stephen Dr, North Highlands, CA 95660 Property Records

Sacramento County property record for 4152 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 File
Last Sale	$240,000 (May 2018)
Tax Bill	$3,244 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`218-0051-014-0000`

Property Details

APN / Parcel Number

Primary APN	`218-0051-014-0000`

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
Foundation Type	Slab (Mat/Raft)
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	4152 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 991
Legal Subdivision	HIGHLAND TERRACE 03
Legal Lot Number	991
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1000
Census Tract	7403

Owner

4152 Stephen Dr is owned and occupied by two individuals who bought it in May 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	4152 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459
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
Jul 14, 2021	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
Jul 14, 2021	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
May 16, 2018	Grant Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2018 · Amount on File
Deed Sale	May 16, 2018 · Amount on File
Prior Sale	Dec 23, 2016 · Amount on File
Deed Book / Page	20180516 / 619
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4152 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4152 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001480
Date	Jul 14, 2021
Instrument	202107141480

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73134

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	323 Months
Due	Jun 1, 2048

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4152 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459
Transaction Type	Mortgage
Record Updated	Jul 28, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4152 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459

Mortgage

Document Number	7140000001480
Date	Jul 14, 2021
Book Page	20210714/1480

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73134

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	323 Months
Due	Jun 1, 2048

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 16, 2018
Property Address	4152 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459
Document Number	1805160619
Instrument Date	May 7, 2018
Instrument	1805160619
Transaction Type	Transfer
Record Updated	Jun 1, 2018
Title Company	ORANGE COAST TITLE COMPANY/NTHRN CA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$264.00
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	4152 STEPHEN DR NORTH HIGHLANDS CA 956604459, NORTH HIGHLANDS, CA 95660-4459

Mortgage

Document Number	1805160620
Date	May 16, 2018
Instrument	1805160620

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 15, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4152 Stephen Dr was $3,244, down 12.7% 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		$278,535 (+2%) Land $69,632 Building $208,903
2025	$3,244.00 (-12.65%)	$273,074 Land $68,267 Building $204,807
2024	$3,714.00 (+19.42%)
2023	$3,110.00 (-18.07%)	$262,472 Land $65,617 Building $196,855
2022	$3,796.00

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

Flood

FEMA maps place 4152 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 4152 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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