481 Higgins St, Folsom, CA 95630 Property Records

Sacramento County property record for 481 Higgins St, Folsom, CA 95630

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,045 sqft · built 1998
Lot Size	0.169 acres (7,378 sqft)
Owner	2 Individual Names on Record
Last Sale	$615,000 (Aug 2019)
Tax Bill	$7,826 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`072-1420-003-0000`

Property Details

APN / Parcel Number

Primary APN	`072-1420-003-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,045 sqft Living Area
1st Floor Area	1,683 sqft
2nd Floor Area	1,362 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
Roof Material	Other
Lot Area	7,378 sqft (0.169 acres)
Garage Area	381 sqft
Parking Spaces	1 Parking Space
Pool Area	16,500 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	481 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 3
Legal Subdivision	PRAIRIE OAKS 04
Legal Lot Number	3
Jurisdiction	SACRAMENTO CA
Township / Civil Division	FOLSOM
Census Block Group	1
Census Block	1014
Census Tract	8508

Owner

Source: Sacramento County records, as of July 22, 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	481 HIGGINS ST, FOLSOM, CA 95630-9564
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN INTERNET MORTGAGE INC
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN INTERNET MORTGAGE INC
Mar 20, 2020	Deed of Trust, Mortgage · Conventional with PMI PARAMOUNT RESID'L MTG
Mar 20, 2020	Deed of Trust, Mortgage · Line of Credit TCF NAT'L BK
Aug 30, 2019	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2019 · Amount on Record
Deed Sale	Aug 30, 2019 · Amount on Record
Prior Sale	Apr 3, 2002 · Amount on Record
Deed Book / Page	20190830 / 1189
Prior Transfer Date	Jul 31, 2008
Prior Transfer Doc	0000000861
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	481 HIGGINS ST, FOLSOM, CA 95630-9564
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	481 HIGGINS ST, FOLSOM, CA 95630-9564

Mortgage

Document Number	0000002112
Date	Mar 17, 2021
Instrument	202103172112

Lender

Name	AMERICAN INTERNET MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	481 HIGGINS ST, FOLSOM, CA 95630-9564
Transaction Type	Mortgage
Record Updated	Aug 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	481 HIGGINS ST, FOLSOM, CA 95630-9564

Mortgage

Document Number	3170000002112
Date	Mar 17, 2021
Book Page	20210317/2112

Lender

Name	AMERICAN INTERNET MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	481 HIGGINS ST, FOLSOM, CA 95630-9564
Document Number	2003250783
Instrument Date	Mar 20, 2020
Transaction Type	Mortgage
Record Updated	Apr 23, 2020
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	481 HIGGINS ST FOLSOM CA 956309564, FOLSOM, CA 95630-9564

Mortgage

Document Number	2003250783
Date	Mar 25, 2020
Instrument	2003250783

Lender

Name	PARAMOUNT RESID'L MTG
Type	Mortgage Company
Address	CORONA, CA 92879

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 24, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	481 HIGGINS ST, FOLSOM, CA 95630-9564
Document Number	2003250784
Instrument Date	Mar 20, 2020
Transaction Type	Mortgage
Record Updated	Apr 23, 2020
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	481 HIGGINS ST FOLSOM CA 956309564, FOLSOM, CA 95630-9564

Mortgage

Document Number	2003250784
Date	Mar 25, 2020
Instrument	2003250784

Lender

Name	TCF NAT'L BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 24, 2050

Interest

Rate Type	Adjustable Rate

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 30, 2019
Property Address	481 HIGGINS ST, FOLSOM, CA 95630-9564
Document Number	1908301189
Instrument Date	Aug 26, 2019
Instrument	1908301189
Transaction Type	Transfer
Record Updated	Sep 16, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$676.50
Amount Accuracy	Full Value
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	481 HIGGINS ST FOLSOM CA 956309564, FOLSOM, CA 95630-9564

Mortgage

Document Number	1908301190
Date	Aug 30, 2019
Instrument	1908301190

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 29, 2049

Mortgage

Document Number	1908301191,
Date	Aug 30, 2019
Instrument	1908301191

Lender

Name	QUORUM FCU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 29, 2049

Interest

Rate Type	Adjustable Rate

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		$686,036 (+2%) Land $228,677 Building $457,359
2025	$7,826.00 (+2.1%) Homeowner's exemption	$672,586 (+4.04%) Land $224,194 Building $448,392
2024	$7,665.00 (+1.62%)
2023	$7,543.00 (+0.82%)	$646,471 Land $215,490 Building $430,981
2022	$7,482.00

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
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	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 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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