554 Willow Ridge Ct, Folsom, CA 95630 Property Records

Sacramento County property record for 554 Willow Ridge Ct, Folsom, CA 95630

Property Summary

Property Type	Single Family Home
Lot Size	0.26 acres (11,318 sqft)
Owner	2 Individual Names on Record
Last Sale	$714,500 (Oct 2019)
Tax Bill	$11,720 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`071-2090-017-0000`

Property Details

APN / Parcel Number

Primary APN	`071-2090-017-0000`

Exterior

Lot Area	11,318 sqft (0.26 acres)

Location & Zoning

Street Address	554 WILLOW RIDGE CT
City	FOLSOM
State	CA
Zip	95630-5565
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-M (PD)
Legal Description	PROSPECT RIDGE, LOT 17, UNIT:: 0, BLOCK:: 0, BLDG:: 0
Legal Subdivision	PROSPECT RIDGE
Legal Lot Number	17
Jurisdiction	SACRAMENTO CA
Township / Civil Division	FOLSOM
Census Block Group	2
Census Block	2019
Census Tract	8403

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	554 WILLOW RIDGE CT, FOLSOM, CA 95630-5565
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORP
Dec 26, 2019	Deed of Trust, Mortgage · Conventional with PMI BANK OF AMERICA
Oct 11, 2019	Grant Deed, Subdivision Related Transfer · Conventional Mortgage HOMEBRIDGE FIN'L SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2019 · Amount on Record
Deed Sale	Oct 11, 2019 · Amount on Record
Deed Book / Page	20191011 / 1057
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	554 WILLOW RIDGE CT, FOLSOM, CA 95630-5565
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	554 WILLOW RIDGE CT, FOLSOM, CA 95630-5565

Mortgage

Document Number	0000000127
Date	Feb 3, 2021
Instrument	202102030127

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	554 WILLOW RIDGE CT, FOLSOM, CA 95630-5565
Document Number	2008050111
Instrument Date	Jul 24, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	554 WILLOW RIDGE CT FOLSOM CA 956305565, FOLSOM, CA 95630-5565

Mortgage

Document Number	2008050111
Date	Aug 5, 2020
Instrument	2008050111

Lender

Name	OWNING CORP
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 4, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	554 WILLOW RIDGE CT, FOLSOM, CA 95630-5565
Document Number	2001060356
Instrument Date	Dec 26, 2019
Transaction Type	Mortgage
Record Updated	Jan 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	554 WILLOW RIDGE CT FOLSOM CA 956305565, FOLSOM, CA 95630-5565

Mortgage

Document Number	2001060356
Date	Jan 6, 2020
Instrument	2001060356

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%

October 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 11, 2019
Property Address	554 WILLOW RIDGE CT, FOLSOM, CA 95630-5565
Document Number	1910111057
Instrument Date	Oct 9, 2019
Instrument	1910111057
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 29, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$785.95
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	554 WILLOW RIDGE CT FOLSOM CA 95630, FOLSOM, CA 95630

Mortgage

Document Number	1910111058
Date	Oct 11, 2019
Instrument	1910111058

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2049

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		$804,694 (+2%) Land $195,213 Building $609,481
2025	$11,720.00 (+1.87%)	$788,917 (+4.04%) Land $191,386 Building $597,531
2024	$11,505.00 (+1.13%)
2023	$11,377.00 (+2.02%)	$758,284 Land $183,955 Building $574,329
2022	$11,152.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Low lower than 98% of the US · lower than 98.4% 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	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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