4164 Stephen Dr, North Highlands, CA 95660 Property Records

Sacramento County property record for 4164 Stephen Dr, North Highlands, CA 95660

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 884 sqft · built 1953
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,205 (2025)
Deeds & Mortgages	May 2021 Mortgage May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`218-0051-017-0000`

Property Details

APN / Parcel Number

Primary APN	`218-0051-017-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	884 sqft Living Area
1st Floor Area	884 sqft
Family Room	Family Room

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Area	275 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4164 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 994
Legal Subdivision	HIGHLAND TERRACE 03
Legal Lot Number	994
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1000
Census Tract	7403

Owner

4164 Stephen Dr is owned and occupied by two individuals who acquired it in July 2020.

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	4164 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2021	Deed of Trust, Mortgage · VA Mortgage LOANPAL LLC
May 6, 2021	Deed of Trust, Mortgage · VA Mortgage LOANPAL LLC
Jul 27, 2020	Quit Claim Deed, Transfer · VA Mortgage EXCELERATE CAP
Jun 13, 2018	Grant Deed, Transfer USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2020
Deed Sale	Jul 27, 2020
Prior Sale	Jun 13, 2018 · Amount on File
Deed Book / Page	20200727 / 1773
Prior Transfer Date	Jul 20, 2020
Prior Transfer Doc	7270000001773
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4164 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4164 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459

Mortgage

Document Number	0000001753
Date	May 6, 2021
Instrument	202105061753

Lender

Name	LOANPAL LLC
Type	Non-Lending Institution
Address	ROSEVILLE, CA 95661

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4164 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459
Transaction Type	Mortgage
Record Updated	May 19, 2021
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4164 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459

Mortgage

Document Number	5060000001753
Date	May 6, 2021
Book Page	20210506/1753

Lender

Name	LOANPAL LLC
Type	Non-Lending Institution
Address	ROSEVILLE, CA 95661

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 27, 2020
Property Address	4164 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459
Document Number	2007271773
Instrument Date	Jul 20, 2020
Instrument	2007271773
Transaction Type	Transfer
Record Updated	Aug 12, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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	4164 STEPHEN DR NORTH HIGHLANDS CA 956604459, NORTH HIGHLANDS, CA 95660-4459

Mortgage

Document Number	2007271775
Date	Jul 27, 2020
Instrument	2007271775

Lender

Name	EXCELERATE CAP
Address	NEWPORT BEACH, CA 92660

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 26, 2050

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 13, 2018
Property Address	4164 STEPHEN DR, NORTH HIGHLANDS, CA 95660-4459
Document Number	1806131172
Instrument Date	Jun 7, 2018
Instrument	1806131172
Transaction Type	Transfer
Record Updated	Jun 25, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$266.20
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	4164 STEPHEN DR NORTH HIGHLANDS CA 956604459, NORTH HIGHLANDS, CA 95660-4459

Mortgage

Document Number	1806131173
Date	Jun 13, 2018
Instrument	1806131173

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 12, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4164 Stephen Dr was $1,205, up 2.8% 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		$280,854 (+2%) Land $69,632 Building $211,222
2025	$1,205.00 (+2.82%)	$275,348 Land $68,267 Building $207,081
2024	$1,172.00 (-5.71%)
2023	$1,243.00 (-1.43%)	$264,658 Land $65,617 Building $199,041
2022	$1,261.00

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

Flood

FEMA maps place 4164 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 4164 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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