4160 Stephen Dr, North Highlands, CA 95660 Property Records

Sacramento County property record for 4160 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
Tax Bill	$3,180 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Aug 2021 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`218-0051-016-0000`

Property Details

APN / Parcel Number

Primary APN	`218-0051-016-0000`

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	4160 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 993
Legal Subdivision	HIGHLAND TERRACE 03
Legal Lot Number	993
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	4160 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 31, 2021	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY
Jul 17, 2020	Quit Claim Deed, Transfer MR COOPER
Dec 4, 2018	Grant Deed, Transfer LOANDEPOT.COM LLC
Nov 26, 2018	Quit Claim Deed, Transfer Quitclaim
Dec 22, 2017	Grant Deed, Transfer · Conventional Mortgage SAC AREA RENTALS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2020
Deed Sale	Jul 17, 2020
Prior Sale	Dec 4, 2018 · Amount on File
Deed Book / Page	20200717 / 516
Last Transfer Date	Mar 10, 2021
Transfer Doc	7200000000567
Record Updated	Oct 29, 2026

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 20, 2021
Property Address	4160 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459
Document Number	0000000567
Map Reference	MB 36 MAP 3
Instrument Date	Mar 10, 2021
Instrument	202107200567
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	MADISON SETTLEMENT SERVICES, MADISON SETTLEMENT SVCS LLC

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	4160 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459

Mortgage

Document Number	0000000568
Date	Jul 20, 2021
Instrument	202107200568

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	Apr 1, 2051

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 31, 2021
Property Address	4160 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459
Document Number	2021083101228
Map Reference	MB 36 MAP 3
Instrument Date	Mar 10, 2021
Instrument	2021083101228
Transaction Type	Transfer
Record Updated	Sep 10, 2021
Title Company	CHICAGO 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	4160 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 17, 2020
Property Address	4160 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459
Document Number	2007170516
Instrument Date	Jul 5, 2020
Instrument	2007170516
Transaction Type	Transfer
Record Updated	Jul 28, 2020
Title Company	TITLE365/RECORDING DEPT

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4160 STEPHEN DR NORTH HIGHLANDS CA 956604459, NORTH HIGHLANDS, CA 95660-4459

Mortgage

Document Number	2007170517
Date	Jul 17, 2020
Instrument	2007170517

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 16, 2050

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 4, 2018
Property Address	4160 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459
Document Number	1812041129
Instrument Date	Dec 3, 2018
Instrument	1812041129
Transaction Type	Transfer
Record Updated	Dec 18, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

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	4160 STEPHEN DR NORTH HIGHLANDS CA 956604459, NORTH HIGHLANDS, CA 95660-4459

Mortgage

Document Number	1812041130
Date	Dec 4, 2018
Instrument	1812041130

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 3, 2048

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 26, 2018
Property Address	4160 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459
Document Number	1811260868
Instrument Date	Nov 26, 2018
Instrument	1811260868
Transaction Type	Transfer
Record Updated	Dec 7, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1911 DOUGLAS BOULEVARD 85-347 ROSEVILLE CA 95661, ROSEVILLE, CA 95661

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 22, 2017
Property Address	4160 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459
Document Number	1712220758
Instrument Date	Dec 21, 2017
Instrument	1712220758
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$176.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1911 DOUGLAS BLVD #85-347 ROSEVILLE CA 956613811, 85-347, ROSEVILLE, CA 95661-3811

Mortgage

Document Number	1712220759
Date	Dec 22, 2017
Instrument	1712220759

Lender

Name	SAC AREA RENTALS LLC
Address	PO BOX 543, ROSEVILLE, CA 95678-0543

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

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		$272,959 (+2%) Land $68,267 Building $204,692
2025	$3,180.00 (+5.05%)	$267,608 (+4.04%) Land $66,929 Building $200,679
2024	$3,027.00 (-0.69%)
2023	$3,048.00 (+6.24%)	$257,219 Land $64,331 Building $192,888
2022	$2,869.00

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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