5109 Shell St, North Highlands, CA 95660 Property Records

Sacramento County property record for 5109 Shell St, North Highlands, CA 95660 · Last verified July 2026

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,824 sqft · built 1978
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$525,000 (Jul 2024)
Tax Bill	$6,220 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`228-0530-009-0000`

Property Details

APN / Parcel Number

Primary APN	`228-0530-009-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,824 sqft Living Area
1st Floor Area	1,824 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	5,663 sqft (0.13 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Solar

Location & Zoning

Street Address	5109 SHELL ST
City	NORTH HIGHLANDS
State	CA
Zip	95660-5330
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	MAGPIE VILLA, LOT 4
Legal Subdivision	MAGPIE VILLA
Legal Lot Number	4
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1002
Census Tract	7413

Owner

Source: Sacramento County records · APN 228-0530-009-0000

Assessment roll updated July 22, 2026 · Last verified July 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 File
Mailing Address	5109 SHELL ST, 5111, NORTH HIGHLANDS, CA 95660-5330
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2022	Grant Deed, Transfer · Commercial Mortgage CIVIC FINANCIAL SERVICES LLC
Jul 19, 2019	Deed of Trust, Mortgage · Conventional with PMI UNITED WHOLESALE MTG
Aug 16, 2018	Grant Deed, Transfer · Conventional with PMI GALINA GNATYK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 31, 2024 · Amount on Record
Deed Sale	Jul 31, 2024 · Amount on Record
Prior Sale	Aug 16, 2018 · Amount on Record
Deed Book / Page	20240731 / 692
Prior Transfer Date	May 01, 2013
Prior Transfer Doc	0000000473
Record Updated	Sep 20, 2026

October 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 19, 2022
Property Address	5109 SHELL ST, NORTH HIGHLANDS, CA 95660-5330
Document Number	0000000861
Map Reference	MB 111 MAP 5
Instrument Date	Oct 11, 2022
Instrument	2022101900861
Transaction Type	Transfer
Record Updated	Oct 28, 2022
Title Company	STEWART TITLE, STEWART TITLE OF SACRAMENTO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7405 GREENBACK LN # 106, 106, CITRUS HEIGHTS, CA 95610-5653

Mortgage

Document Number	0000000862
Date	Oct 19, 2022
Instrument	2022101900862

Lender

Name	CIVIC FINANCIAL SERVICES LLC
Type	Funding / Finance Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5109 SHELL ST, NORTH HIGHLANDS, CA 95660-5330
Document Number	1907231303
Instrument Date	Jul 19, 2019
Transaction Type	Mortgage
Record Updated	Aug 01, 2019
Title Company	STEWART TITLE, STEWART TITLE/SACRAMENTO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7405 GREENBACK LN #106 CITRUS HEIGHTS CA 956105653, 106, CITRUS HEIGHTS, CA 95610-5653

Mortgage

Document Number	1907231303
Date	Jul 23, 2019
Instrument	1907231303

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 22, 2049

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 16, 2018
Property Address	5109 SHELL ST, NORTH HIGHLANDS, CA 95660-5330
Document Number	1808161041
Instrument Date	Aug 06, 2018
Instrument	1808161041
Transaction Type	Transfer
Record Updated	Aug 28, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$346.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6300 GARFIELD AVE #100 SACRAMENTO CA 958415402, 100, SACRAMENTO, CA 95841-5402

Mortgage

Document Number	1808161042
Date	Aug 16, 2018
Instrument	1808161042

Lender

Name	GALINA GNATYK
Address	6215 BELLA VISTA DR, GRANITE BAY, CA 95746-9463

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Sacramento County records · Assessment roll updated July 22, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	California
County	Sacramento County
Unified School District	Twin Rivers Unified School District (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value
2026		$535,500 (+2%) Land $122,400 Building $413,100
2025	$6,220.00 (+56.56%)	$525,000 (+55.45%) Land $120,000 Building $405,000
2024	$3,973.00 (-0.7%)
2023	$4,001.00 (+6.24%)	$337,739 Land $75,052 Building $262,687
2022	$3,766.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Sacramento County (06067C), updated September 29, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060670074131, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 18 individual NFIP policies nearby
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	4 (1986–2023)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jan 2023, other causes, Severe Winter Storms, Flooding, Landslides, And Mudslides

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 534 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
AT&T	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Verizon, California Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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