784 Morningside Dr, Folsom, CA 95630 Property Records

Sacramento County property record for 784 Morningside Dr, Folsom, CA 95630

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,753 sqft · built 2002
Lot Size	0.136 acres (5,915 sqft)
Owner	Individual on Record
Last Sale	$775,000 (Apr 2026)
Tax Bill	$8,254 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`072-1940-012-0000`

Property Details

APN / Parcel Number

Primary APN	`072-1940-012-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,753 sqft Living Area
1st Floor Area	1,753 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	5,915 sqft (0.136 acres)
Garage Area	445 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	784 MORNINGSIDE DR
City	FOLSOM
State	CA
Zip	95630-6145
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SP-SFHD (S
Legal Description	EMPIRE RANCH VILLAGE 47, LOT 23
Legal Subdivision	EMPIRE RANCH VILLAGE 47
Legal Lot Number	23
Jurisdiction	SACRAMENTO CA
Township / Civil Division	FOLSOM
Census Block Group	2
Census Block	2002
Census Tract	8510

Owner

Source: Sacramento County assessment roll, 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	Individual on Record
Mailing Address	784 MORNINGSIDE DR, FOLSOM, CA 95630-6145
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 27, 2026	Grant Deed, Transfer · Conventional Mortgage KIND LENDING LLC
Oct 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MTG
Oct 18, 2019	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2026 · Amount on Record
Deed Sale	Apr 27, 2026 · Amount on Record
Prior Sale	Oct 18, 2019 · Amount on Record
Deed Book / Page	20260427 / 560
Prior Transfer Date	Jun 12, 2005
Prior Transfer Doc	0000000828
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	784 MORNINGSIDE DR, FOLSOM, CA 95630-6145
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	784 MORNINGSIDE DR, FOLSOM, CA 95630-6145
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000408
Date	Aug 8, 2025
Instrument	202508080408

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jul 30, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 27, 2026
Property Address	784 MORNINGSIDE DR, FOLSOM, CA 95630-6145
Document Number	2026000560
Book / Page	20260427 / 560
Instrument Date	Apr 16, 2026
Transaction Type	Transfer
Record Updated	May 7, 2026
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$86,102.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	784 MORNINGSIDE DR, FOLSOM, CA 95630-6145

Mortgage

Document Number	2026000561,
Date	Apr 27, 2026
Book Page	20260427/561

Lender

Name	KIND LENDING LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	784 MORNINGSIDE DR, FOLSOM, CA 95630-6145
Document Number	2010260182
Instrument Date	Oct 17, 2020
Transaction Type	Mortgage
Record Updated	Nov 6, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	784 MORNINGSIDE DR FOLSOM CA 956306145, FOLSOM, CA 95630-6145

Mortgage

Document Number	2010260182
Date	Oct 26, 2020
Instrument	2010260182

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 25, 2050

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 18, 2019
Property Address	784 MORNINGSIDE DR, FOLSOM, CA 95630-6145
Document Number	1910180787
Instrument Date	Oct 16, 2019
Instrument	1910180787
Transaction Type	Transfer
Record Updated	Oct 30, 2019
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$632.50
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	784 MORNINGSIDE DR FOLSOM CA 956306145, FOLSOM, CA 95630-6145

Mortgage

Document Number	1910180788
Date	Oct 18, 2019
Instrument	1910180788

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 17, 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		$641,418 (+2%) Land $200,791 Building $440,627
2025	$8,254.00 (+1.7%) Homeowner's exemption	$628,842 (+4.04%) Land $196,854 Building $431,988
2024	$8,116.00 (+3.13%)
2023	$7,870.00 (+1.09%) Homeowner's exemption	$604,425 Land $189,211 Building $415,214
2022	$7,785.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 99.8% of the US · lower than 99.8% 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 303 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	100 / 20

May also be available: Succeed.Net.

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