6432 Clara Way, North Highlands, CA 95660 Property Records

Sacramento County property record for 6432 Clara Way, North Highlands, CA 95660

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,330 sqft · built 1953
Lot Size	0.18 acres (7,841 sqft)
Owner	Company Name on File
Last Sale	$300,000 (May 2020)
Tax Bill	$3,893 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Oct 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`217-0061-020-0000`

Property Details

APN / Parcel Number

Primary APN	`217-0061-020-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,330 sqft Living Area
1st Floor Area	1,051 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Custom Design
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	6432 CLARA WAY
City	NORTH HIGHLANDS
State	CA
Zip	95660-4002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	MCCLELLAN MEADOWS 04, LOT 513
Legal Subdivision	MCCLELLAN MEADOWS 04
Legal Lot Number	513
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	2
Census Block	2008
Census Tract	7402

Owner

6432 Clara Way is owned by a company that acquired it in November 2021.

Source: Sacramento County records, as of July 22, 2026

Owner of Record	Company Name on File
Mailing Address	6432 CLARA WAY, NORTH HIGHLANDS, CA 95660-4002
Owner Type	Company
Vesting	Borrower in Default

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2022	Deed of Trust, Mortgage · Line of Credit HERITAGE COMMUNITY CU
Oct 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 24, 2021	Intrafamily Transfer, Transfer
Oct 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 13, 2020	Grant Deed, Transfer · Conventional with PMI FLAGSTAR BK
Oct 12, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2020 · Amount on File
Deed Sale	May 13, 2020 · Amount on File
Prior Sale	Nov 9, 2011 · Amount on File
Deed Book / Page	20200513 / 1421
Last Transfer Date	Nov 12, 2021
Transfer Doc	0000002161
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	6432 CLARA WAY, NORTH HIGHLANDS, CA 95660-4002
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6432 CLARA WAY, NORTH HIGHLANDS, CA 95660-4002

Mortgage

Document Number	0000000869
Date	Jun 7, 2022
Instrument	2022060700869

Lender

Name	HERITAGE COMMUNITY CU
Type	Credit Union
Address	SACRAMENTO, CA 95827

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 6, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	6432 CLARA WAY, NORTH HIGHLANDS, CA 95660-4002
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6432 CLARA WAY, NORTH HIGHLANDS, CA 95660-4002

Mortgage

Document Number	0000001881
Date	Oct 8, 2021
Instrument	2021100801881

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 24, 2021
Property Address	6432 CLARA WAY, NORTH HIGHLANDS, CA 95660-4002
Document Number	2021112402161
Map Reference	MB 33 MAP 38
Instrument Date	Nov 12, 2021
Instrument	2021112402161
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	6432 CLARA WAY, NORTH HIGHLANDS, CA 95660-4002

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	6432 CLARA WAY, NORTH HIGHLANDS, CA 95660-4002
Transaction Type	Mortgage
Record Updated	Oct 25, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6432 CLARA WAY, NORTH HIGHLANDS, CA 95660-4002

Mortgage

Document Number	2021100801881
Date	Oct 8, 2021
Instrument	2021100801881

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 13, 2020
Property Address	6432 CLARA WAY, NORTH HIGHLANDS, CA 95660-4002
Document Number	2005131421
Instrument Date	Mar 12, 2020
Instrument	2005131421
Transaction Type	Transfer
Record Updated	May 25, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6432 CLARA WAY NORTH HIGHLANDS CA 956604002, NORTH HIGHLANDS, CA 95660-4002

Mortgage

Document Number	2005131422
Date	May 13, 2020
Instrument	2005131422

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 12, 2050

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 12, 2017
Property Address	6432 CLARA WAY, NORTH HIGHLANDS, CA 95660-4002
Document Number	1710121069
Instrument Date	Oct 11, 2017
Instrument	1710121069
Transaction Type	Transfer
Record Updated	Oct 24, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	6432 CLARA WAY NORTH HIGHLANDS CA 956604002, NORTH HIGHLANDS, CA 95660-4002

Tax Assessment & Valuation

The 2025 property tax bill for 6432 Clara Way was $3,893, up 5% 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		$334,650 (+2%) Land $78,084 Building $256,566
2025	$3,893.00 (+5.05%)	$328,089 Land $76,553 Building $251,536
2024	$3,706.00 (-0.7%)
2023	$3,732.00 (+6.23%)	$315,350 Land $73,581 Building $241,769
2022	$3,513.00

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

Flood

FEMA maps place 6432 Clara Way in Zone X, an area of minimal flood risk, within 100 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 100 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 6432 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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 2,000

May also be available: Cal.net, Verizon.

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