437 Higgins St, Folsom, CA 95630 Property Records

Sacramento County property record for 437 Higgins St, Folsom, CA 95630

Property Summary

Property Type	Single Family Home
Details	6 bd · 2.5 ba · 4,090 sqft · built 1998
Lot Size	0.253 acres (11,017 sqft)
Owner	2 Individual Names on Record
Last Sale	$985,000 (Apr 2025)
Tax Bill	$5,874 (2025)
Deeds & Mortgages	Jun 2025 Line of Credit Nov 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`072-1420-015-0000`

Property Details

APN / Parcel Number

Primary APN	`072-1420-015-0000`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	4,090 sqft Living Area
1st Floor Area	1,926 sqft
2nd Floor Area	2,164 sqft
Bonus Room	Bonus Room
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	11,017 sqft (0.253 acres)
Garage Area	670 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	437 HIGGINS ST
City	FOLSOM
State	CA
Zip	95630-9564
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-M (PD)
Legal Description	PRAIRIE OAKS 04, LOT 15
Legal Subdivision	PRAIRIE OAKS 04
Legal Lot Number	15
Jurisdiction	SACRAMENTO CA
Township / Civil Division	FOLSOM
Census Block Group	1
Census Block	1014
Census Tract	8508

Owner

Source: Sacramento County records, as of September 3, 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	437 HIGGINS ST, FOLSOM, CA 95630-9564
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2025	Deed of Trust, Mortgage · Line of Credit THE GOLDEN 1 CU
Nov 9, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 9, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2025 · Amount on Record
Deed Sale	Apr 30, 2025 · Amount on Record
Prior Sale	Jan 14, 1999 · Amount on Record
Deed Book / Page	20250430 / 601
Prior Transfer Date	Oct 2, 2020
Prior Transfer Doc	11090000000888
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	437 HIGGINS ST, FOLSOM, CA 95630-9564
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 HIGGINS ST, FOLSOM, CA 95630-9564

Mortgage

Document Number	0000000372
Date	Jun 23, 2025
Instrument	202506230372

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 9, 2020
Property Address	437 HIGGINS ST, FOLSOM, CA 95630-9564
Document Number	2011090888
Instrument Date	Oct 2, 2020
Instrument	2011090888
Transaction Type	Transfer
Record Updated	Nov 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2729 VIA FIORI EL DORADO HILLS CA 957627009, EL DORADO HILLS, CA 95762-7009

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 9, 2020
Property Address	437 HIGGINS ST, FOLSOM, CA 95630-9564
Document Number	2011090887
Instrument Date	Oct 2, 2020
Instrument	2011090887
Transaction Type	Transfer
Record Updated	Nov 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2729 VIA FIORI EL DORADO HILLS CA 957627009, EL DORADO HILLS, CA 95762-7009

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	437 HIGGINS ST, FOLSOM, CA 95630-9564
Document Number	2010021088
Instrument Date	Sep 23, 2020
Transaction Type	Mortgage
Record Updated	Oct 16, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	437 HIGGINS ST FOLSOM CA 956309564, FOLSOM, CA 95630-9564

Mortgage

Document Number	2010021088
Date	Oct 2, 2020
Instrument	2010021088

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2035

Tax Assessment & Valuation

Source: Sacramento County assessment roll, as of July 22, 2026

Property Jurisdictions

Type	Name
State	California
County	Sacramento County
Municipality	Folsom City
Unified School District	Folsom-Cordova Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,069,700 (+119.81%) Land $255,000 Building $814,700
2025	$5,874.00 (+2.07%)	$486,648 (+4.04%) Land $109,728 Building $376,920
2024	$5,755.00 (+1.8%)
2023	$5,653.00 (+1.69%)	$467,753 Land $105,468 Building $362,285
2022	$5,559.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearby Flood Policies	2 in force

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 94% of the US · lower than 96% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	FOLSOM, CITY OF - MAIN serves 80,969 people · EPA ID CA3410014
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2024–2026) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 444 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Succeed.Net Fixed Wireless	100 / 50
T-Mobile Fixed Wireless	100 / 20
Cal.net Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Verizon.

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