920 Sterling Cir, Folsom, CA 95630 Property Records

Sacramento County property record for 920 Sterling Cir, Folsom, CA 95630

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,745 sqft · built 2000
Lot Size	0.174 acres (7,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$589,000 (May 2017)
Tax Bill	$7,723 (2025)
Deeds & Mortgages	Nov 2020 Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`072-1640-041-0000`

Property Details

APN / Parcel Number

Primary APN	`072-1640-041-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,745 sqft Living Area
1st Floor Area	1,474 sqft
2nd Floor Area	1,271 sqft
Bonus Room	Bonus Room
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	7,560 sqft (0.174 acres)
Garage Area	647 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	920 STERLING CIR
City	FOLSOM
State	CA
Zip	95630-7502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SP-SF (7,5
Legal Description	WILLOW SPRINGS 01, LOT 41
Legal Subdivision	WILLOW SPRINGS 01
Legal Lot Number	41
Jurisdiction	SACRAMENTO CA
Township / Civil Division	FOLSOM
Census Block Group	2
Census Block	2010
Census Tract	8508

Owner

Source: Sacramento County records, as of September 3, 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	920 STERLING CIR, FOLSOM, CA 95630-7502
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
May 3, 2017	Grant Deed, Transfer · ARM US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2017 · Amount on Record
Deed Sale	May 3, 2017 · Amount on Record
Prior Sale	Oct 15, 2004 · Amount on Record
Deed Book / Page	20170503 / 1094
Prior Transfer Date	Apr 29, 2003
Prior Transfer Doc	2003002009
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	920 STERLING CIR, FOLSOM, CA 95630-7502
Document Number	2101151164
Instrument Date	Nov 21, 2020
Transaction Type	Mortgage
Record Updated	Feb 1, 2021
Title Company	AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	920 STERLING CIR FOLSOM CA 956307502, FOLSOM, CA 95630-7502

Mortgage

Document Number	2101151164
Date	Jan 15, 2021
Instrument	2101151164

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 14, 2036

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 3, 2017
Property Address	920 STERLING CIR, FOLSOM, CA 95630-7502
Document Number	5030000001094
Book / Page	20170503 / 1094
Map Reference	MB 250 PG 8
Instrument Date	May 1, 2017
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	FIDELITY NATIONAL TITLE COMP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	Community Property with Right of Survivorship
Address	920 STERLING CIR, FOLSOM, CA 95630-7502

Mortgage

Document Number	201705031095
Date	May 3, 2017
Instrument	20170503/1095

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jun 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.25%
Index	1-Year LIBOR
Max Rate	8.25%

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		$697,248 (+2%) Land $213,080 Building $484,168
2025	$7,723.00 (+2.13%)	$683,577 (+4.04%) Land $208,902 Building $474,675
2024	$7,562.00 (-3.63%)
2023	$7,847.00 (+1.36%)	$657,035 Land $200,791 Building $456,244
2022	$7,742.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	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 536 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
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Succeed.Net.

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