686 Oreno Cir, Folsom, CA 95630 Property Records

Sacramento County property record for 686 Oreno Cir, Folsom, CA 95630

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,280 sqft · built 2018
Lot Size	0.255 acres (11,092 sqft)
Owner	2 Individual Names on File
Last Sale	$829,000 (Aug 2018)
Tax Bill	$12,032 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Aug 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`072-3280-023-0000`

Property Details

APN / Parcel Number

Primary APN	`072-3280-023-0000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,280 sqft Living Area
1st Floor Area	3,280 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	H-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	11,092 sqft (0.255 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	686 ORENO CIR
City	FOLSOM
State	CA
Zip	95630-6348
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SP-SFLD (S
Legal Description	EMPIRE RANCH - VILLAGE NO 32A, LOT 23
Legal Subdivision	EMPIRE RANCH - VILLAGE NO 32A
Legal Lot Number	23
Jurisdiction	SACRAMENTO CA
Township / Civil Division	FOLSOM
Census Block Group	1
Census Block	1013
Census Tract	8512

Owner

686 Oreno Cir is owned and occupied by two individuals who bought it in August 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	686 ORENO CIR, FOLSOM, CA 95630-6348
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage EXCEL REALTY INC
Aug 9, 2018	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BK
Mar 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage CASCADE LAND HM FINANCING
Jul 24, 2017	Grant Deed, Subdivision Related Transfer · Conventional Mortgage ELLIOTT HMS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2018 · Amount on File
Deed Sale	Aug 9, 2018 · Amount on File
Prior Sale	Jul 24, 2017 · Amount on File
Deed Book / Page	20180809 / 672
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	686 ORENO CIR, FOLSOM, CA 95630-6348
Document Number	2006291129
Instrument Date	Jun 23, 2020
Transaction Type	Mortgage
Record Updated	Jul 13, 2020
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	686 ORENO CIR FOLSOM CA 956306348, FOLSOM, CA 95630-6348

Mortgage

Document Number	2006291129
Date	Jun 29, 2020
Instrument	2006291129

Lender

Name	EXCEL REALTY INC
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2050

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 9, 2018
Property Address	686 ORENO CIR, FOLSOM, CA 95630-6348
Document Number	1808090672
Instrument Date	Aug 2, 2018
Instrument	1808090672
Transaction Type	Transfer
Record Updated	Aug 17, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$911.90
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	686 ORENO CIR FOLSOM CA 956306348, FOLSOM, CA 95630-6348

Mortgage

Document Number	1808090673
Date	Aug 9, 2018
Instrument	1808090673

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 8, 2048

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	686 ORENO CIR, FOLSOM, CA 95630-6348
Document Number	1803291720
Instrument Date	Mar 19, 2018
Transaction Type	Mortgage
Record Updated	Apr 10, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5 SCENIC POINT PL SACRAMENTO CA 958352684, SACRAMENTO, CA 95835-2684

Mortgage

Document Number	1803291720
Date	Mar 29, 2018
Instrument	1803291720

Lender

Name	CASCADE LAND HM FINANCING
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

July 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 24, 2017
Property Address	686 ORENO CIR, FOLSOM, CA 95630-6348
Document Number	1707240899
Instrument Date	Jul 21, 2017
Instrument	1707240899
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 1, 2017
Title Company	STEWART TITLE, STEWART TITLE/SACRAMENTO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$203.00
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	7885 SUNRISE TERRACE LN CITRUS HEIGHTS CA 956103984, CITRUS HEIGHTS, CA 95610-3984

Mortgage

Document Number	1707240900
Date	Jul 24, 2017
Instrument	1707240900

Lender

Name	ELLIOTT HMS
Address	FOLSOM, CA 95630
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 686 Oreno Cir was $12,032 with a homeowner's exemption, up 1.7% from the year before.

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		$943,255 (+2%) Land $227,563 Building $715,692
2025	$12,032.00 (+1.72%) Homeowner's exemption	$924,760 Land $223,101 Building $701,659
2024	$11,829.00 (+3.05%)
2023	$11,479.00 (+1.11%) Homeowner's exemption	$888,852 Land $214,439 Building $674,413
2022	$11,353.00

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

Flood

FEMA maps place 686 Oreno Cir in Zone X, an area of minimal flood risk.

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	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

Wildfire risk around 686 Oreno Cir is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 96% of California
Wildfire Likelihood	0.03% 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 246 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Zeta Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL in parts of the area	100 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: Succeed.Net.

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