448 Gem Smith Pl, Folsom, CA 95630 Property Records

Sacramento County property record for 448 Gem Smith Pl, Folsom, CA 95630

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,673 sqft · built 1999
Lot Size	0.096 acres (4,160 sqft)
Owner	Individual Name on Record
Last Sale	$549,000 (Mar 2026)
Tax Bill	$1,066 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`071-1380-003-0000`

Property Details

APN / Parcel Number

Primary APN	`071-1380-003-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,673 sqft Living Area
1st Floor Area	1,673 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	4,160 sqft (0.096 acres)
Garage Area	419 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	448 GEM SMITH PL
City	FOLSOM
State	CA
Zip	95630-3163
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-M (PD)
Legal Description	SUNCOUNTRY FOLSOM 03, LOT 53
Legal Subdivision	SUNCOUNTRY FOLSOM 03
Legal Lot Number	53
Jurisdiction	SACRAMENTO CA
Township / Civil Division	FOLSOM
Census Block Group	2
Census Block	2009
Census Tract	8403

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	Individual Name on Record
Mailing Address	448 GEM SMITH PL, FOLSOM, CA 95630-3163
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2026 · Amount on Record
Deed Sale	Mar 27, 2026 · Amount on Record
Prior Sale	Feb 19, 1999 · Amount on Record
Deed Book / Page	20260327 / 509
Prior Transfer Date	Jul 18, 2007
Prior Transfer Doc	8130000001344
Record Updated	Oct 29, 2026

March 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 27, 2026
Property Address	448 GEM SMITH PL, FOLSOM, CA 95630-3163
Document Number	0000000509
Map Reference	MB 251 PG 3
Instrument Date	Mar 23, 2026
Instrument	202603270509
Transaction Type	Transfer
Record Updated	Apr 8, 2026
Title Company	PLACER 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	448 GEM SMITH PL, FOLSOM, CA 95630-3163

Mortgage

Document Number	0000000510
Date	Mar 27, 2026
Instrument	202603270510

Lender

Name	EXCEL REALTY & MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

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		$545,000 (+420.33%) Land $160,000 Building $385,000
2025	$1,066.00 (+2.3%) Homeowner's exemption	$104,741 (+4.04%) Land $27,331 Building $77,410
2024	$1,042.00 (+1.96%)
2023	$1,022.00 (+1.59%) Homeowner's exemption	$100,676 Land $26,271 Building $74,405
2022	$1,006.00

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	8 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	Not rated no burnable land within 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	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 462 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Succeed.Net Fixed Wireless	100 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Cal.net.

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