6420 CLARA WAY NORTH HIGHLANDS CA 956604002, NORTH HIGHLANDS, CA 95660-4002
Mortgage
Document Number
2006011379
Date
Jun 1, 2020
Instrument
2006011379
Lender
Name
FREEDOM MTG
Type
Mortgage Company
Address
MOUNT LAUREL, NJ 08054
Agreement
Type
FHA Mortgage
Amount
Amount on Record
Term
360 Months
Due
May 31, 2050
September 2019: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
SACRAMENTO CA
Property Address
6420 CLARA WAY, NORTH HIGHLANDS, CA 95660-4002
Document Number
1909170286
Instrument Date
Sep 5, 2019
Transaction Type
Mortgage
Record Updated
Sep 30, 2019
Title Company
OTHER
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Joint Tenants with Right of Survivorship
Address
6420 CLARA WAY NORTH HIGHLANDS CA 956604002, NORTH HIGHLANDS, CA 95660-4002
Mortgage
Document Number
1909170286
Date
Sep 17, 2019
Instrument
1909170286
Lender
Name
FREEDOM MTG
Type
Mortgage Company
Address
MOUNT LAUREL, NJ 08054
Agreement
Type
FHA Mortgage
Amount
Amount on Record
Term
360 Months
Due
Sep 16, 2049
August 2018: Quit Claim Deed, Mortgage
Document Type
Quit Claim Deed
Jurisdiction
SACRAMENTO CA
Recording Date
Aug 27, 2018
Property Address
6420 CLARA WAY, NORTH HIGHLANDS, CA 95660-4002
Document Number
1808270589
Instrument Date
Aug 8, 2018
Instrument
1808270589
Transaction Type
Mortgage
Record Updated
Sep 10, 2018
Title Company
CHICAGO TITLE COMPANY
Transaction
Tax
$0.00
Additional
Quitclaim
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Joint Tenants with Right of Survivorship
Address
6420 CARA WAY NORTH HIGHLANDS CA 95660, NORTH HIGHLANDS, CA 95660
Mortgage
Document Number
1808270590
Date
Aug 27, 2018
Instrument
1808270590
Lender
Name
OWN IT HM LOANS
Address
MELVILLE, NY 11753
Agreement
Type
FHA Mortgage
Amount
Amount on Record
Term
360 Months
Due
Aug 26, 2048
July 2017: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
SACRAMENTO CA
Property Address
6420 CLARA WAY, NORTH HIGHLANDS, CA 95660-4002
Document Number
1707140312
Instrument Date
Jul 5, 2017
Transaction Type
Mortgage
Record Updated
Jul 25, 2017
Title Company
TIMIOS INC
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Joint Tenants with Right of Survivorship
Address
6420 CLARA WAY NORTH HIGHLANDS CA 956604002, NORTH HIGHLANDS, CA 95660-4002
Mortgage
Document Number
1707140312
Date
Jul 14, 2017
Instrument
1707140312
Lender
Name
FIRST DIRECT LNDG
Address
IRVINE, CA 92618
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
360 Months
Due
Jul 13, 2047
Tax Assessment & Valuation
The 2025 property tax bill for 6420 Clara Way was $2,944 with a homeowner's exemption, up 5.1% from the year before.
Source: Sacramento County assessment roll, as of July 22, 2026
Property Jurisdictions
Type
Name
State
California
County
Sacramento County
Unified School District
Twin Rivers Unified School District (KG - 12)
Tax Bill & Assessment History
Year
Tax Bill
Assessed Value
2026
$259,599 (+2%)Land $48,294Building $211,305
2025
$2,944.00 (+5.11%)Homeowner's exemption
$254,510Land $47,348Building $207,162
2024
$2,801.00 (-0.64%)
2023
$2,819.00 (+6.3%)Homeowner's exemption
$244,628Land $45,510Building $199,118
2022
$2,652.00
Assessed value is set for property tax purposes and is not a market price estimate.
Flood
FEMA maps place 6420 Clara Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 AH, within 500 ft
Flood Insurance Requirement
Not required lenders may require it
Flood Insurance Cost
Premium on File median of 23 policies
Community Rating System
Class 2 (40% premium discount)
Nearby Flood Policies
23 in force
Nearby Flood Claims
6 (1995–2000)
Most Recent Claim
Jan 2000 · rainfall accumulation
Claims by Event
Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 2 claims
Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 3 claims
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
The area around 6420 Clara Way has no burnable land within ember reach, so its wildfire risk is not rated.
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
SACRAMENTO SUBURBAN WATER DISTRICT serves 194,444 people · EPA ID CA3410001
Water Source
Purchased surface water from several systems
Last State Inspection
Apr 2024
Lead
Under 1 ppb (2023–2025) 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Internet Providers
Source: FCC Broadband Data Collection, based on 809 locations within half a mile, as of December 31, 2025