688 Townsend Ct, Folsom, CA 95630 Property Records

Sacramento County property record for 688 Townsend Ct, Folsom, CA 95630

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 6,808 sqft · built 2025
Lot Size	0.543 acres (23,639 sqft)
Owner	2 Individual Names on Record
Last Sale	$551,000 (Dec 2021)
Tax Bill	$17,998 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Dec 2022 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`072-3330-026-0000`

Property Details

APN / Parcel Number

Primary APN	`072-3330-026-0000`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	6,808 sqft Living Area
1st Floor Area	4,046 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Roof Material	Other
Lot Area	23,639 sqft (0.543 acres)
Garage Area	1,272 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	688 TOWNSEND CT
City	FOLSOM
State	CA
Zip	95630-6376
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SP-SFLD (S
Legal Description	EMPIRE RANCH VILLAGE NO. 32C, LOT 108, UNIT:: 0, BLOCK:: 0, BLDG:: 0
Legal Subdivision	EMPIRE RANCH VILLAGE NO. 32C
Legal Lot Number	108
Jurisdiction	SACRAMENTO CA
Township / Civil Division	FOLSOM
Census Block Group	1
Census Block	1018
Census Tract	8512

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	688 TOWNSEND CT, FOLSOM, CA 95630-6376
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Dec 15, 2022	Deed of Trust, Mortgage · Construction Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Dec 6, 2021	Grant Deed, Transfer NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO INC
Oct 8, 2020	Grant Deed, Subdivision Related Transfer STEWART TITLE, STEWART TITLE/SACRAMENTO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2021 · Amount on Record
Deed Sale	Dec 6, 2021 · Amount on Record
Prior Sale	Oct 8, 2020 · Amount on Record
Deed Document Number	2021748
Deed Book / Page	20211206 / 748
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 9, 2026
Property Address	688 TOWNSEND CT, FOLSOM, CA 95630-6376
Document Number	2026000345
Book / Page	20260609 / 345
Instrument Date	Jun 3, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	688 TOWNSEND CT, FOLSOM, CA 95630-6376

Mortgage

Document Number	2026000345,
Date	Jun 9, 2026
Book Page	20260609/345

Lender

Name	FLAGSTAR BANK FSB

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	688 TOWNSEND CT, FOLSOM, CA 95630-6376
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	688 TOWNSEND CT, FOLSOM, CA 95630-6376

Mortgage

Document Number	0000000667
Date	Dec 15, 2022
Instrument	2022121500667

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Type Change Date	Jan 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	12.7%
Index	Other
Margin	3
Max Rate	12.7%

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 6, 2021
Property Address	688 TOWNSEND CT, FOLSOM, CA 95630-6376
Document Number	0000000748
Map Reference	MB 385 MAP 10
Instrument Date	Nov 30, 2021
Instrument	2021120600748
Transaction Type	Transfer
Record Updated	Dec 20, 2021
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO INC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	688 TOWNSEND CT, FOLSOM, CA 95630-6376

October 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 8, 2020
Property Address	688 TOWNSEND CT, FOLSOM, CA 95630-6376
Document Number	2010081530
Instrument Date	Oct 2, 2020
Instrument	2010081530
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 27, 2020
Title Company	STEWART TITLE, STEWART TITLE/SACRAMENTO

Transaction

Amount	Amount Recorded
Tax	$495.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2864 ABERDEEN LN EL DORADO HILLS CA 957625683, EL DORADO HILLS, CA 95762-5683
Investor	Possibly a Property Investor

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		$2,381,419 (+62.58%) Land $596,419 Building $1,785,000
2025	$17,998.00 (+84.31%)	$1,464,725 (+160.62%) Land $584,725 Building $880,000
2024	$9,765.00 (+59.17%)
2023	$6,135.00 (+102.94%)	$562,020 Land $562,020
2022	$3,023.00

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	Moderate above 44% of the US · lower than 74% of California
Wildfire Likelihood	0.05% 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 336 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
T-Mobile Fixed Wireless	100 / 20
Cal.net Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Succeed.Net.

Cell Coverage

5G (outdoors only) and 4G LTE

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