Self storage · North Highlands, California
Roseville North Highlands Self Storage
Roseville North Highlands Self Storage is financed with a $2.6M CMBS loan at 3.429% that reaches maturity on December 1, 2030, in 4 years and 1 month. As of the Sep 2026 servicer report, the latest filed for this loan, its status is current.
The loan
- Balance in tracked trusts
- $2,650,000
- Original balance (same notes)
- $2,650,000
- Interest rate
- 3.429% fixed
- Originated
- November 12, 2020
- Maturity
- December 1, 2030
- Payments
- Interest only for the full term
- Prepayment lockout ends
- August 31, 2030
- Master servicer
- Trimont LLC
- Originator
- Bank of America, National Association
Status
- Payment status
- Current (code 0)
- Special servicing
- No transfer reported
- Defeasance
- None reported
The property
- Address
- 4250 Roseville Road, North Highlands, CA 95660
- Metro
- Sacramento-Roseville-Folsom, CA
- Rentable area
- 56,143 sq ft
- Units, rooms or beds
- 473
- Built
- 1973
- Value at securitization
- $4.8M (Oct 2020)
Performance
| At securitization | Latest (Jun 2026) | |
|---|---|---|
| DSCR (NOI) | 3.23x | 2.10x |
| Occupancy | 96% | 78% |
| Net operating income (annualized from 6 months) | $298K | $194K |
| Debt yield | 7.3% |
Debt yield here is the latest NOI divided by the balance held in the trusts below. If part of the loan sits outside them, the true figure is lower.
Watch flags
Computed from the BANK 2020-BNK30 filing for the reporting period ending September 11, 2026, filed with the SEC September 29, 2026.
- Coverage down 0.25x or more from securitization
- Occupancy down 10 points or more from securitization
- NOI down 20% or more from securitization
cmbs.news's own rule-based labels on the filed fields (definitions), not a credit rating, a prediction or a view of the borrower.
What the filing shows
- Occupancy has fallen from 96% when the loan was securitized to 78%.
- Net operating income is 35% below the underwritten figure ($194K a year against $298K; the latest statement covers 6 months, annualized).
- Debt service coverage moved from 3.23x at securitization to 2.10x on the latest statements.
The last 12 monthly reports
| Report month | Balance | Payment status | Special servicer | DSCR | Occupancy |
|---|---|---|---|---|---|
| September 2026 | $2.6M | Current | No | 2.10x | 78% |
| August 2026 | $2.6M | Current | No | 1.22x | 78% |
| July 2026 | $2.6M | Current | No | 1.22x | 78% |
| June 2026 | $2.6M | Current | No | 1.22x | 78% |
| May 2026 | $2.6M | Current | No | 1.22x | 78% |
| April 2026 | $2.6M | Current | No | 2.12x | 83% |
| March 2026 | $2.6M | Current | No | 2.53x | 83% |
| February 2026 | $2.6M | Current | No | 2.53x | 83% |
| January 2026 | $2.6M | Current | No | 1.69x | 83% |
| December 2025 | $2.6M | Current | No | 1.69x | 83% |
| November 2025 | $2.6M | Current | No | 2.92x | 83% |
| October 2025 | $2.6M | Current | No | 2.92x | 83% |
From each trust's ABS-EE filing for that month. Coverage and occupancy change only when the servicer reports new statements. If one trust holding a piece of the loan skipped a month, that month's balance reads low.
Where the loan sits
One trust holds this loan in the data.
| Trust | Loan no. | Balance | Report period | Source |
|---|---|---|---|---|
| BANK 2020-BNK30 | 33 | $2,650,000 | Sep 2026 | SEC filing, September 29, 2026 |
Other Sacramento-Roseville-Folsom loans due in 2030
| Property | Location | Type | Balance | Rate | Matures | DSCR | Occ. | Status |
|---|---|---|---|---|---|---|---|---|
| Mcclellan Park | McClellan, CA | Mixed use | $358.0M | 3.309% | Dec 2030 | n/a | n/a | Current |
| Hpe Campus | Roseville, CA | Office | $66.8M | 3.54% | Mar 2030 | 2.72x | 100% | Current |
| The Senator | Sacramento, CA | Office | $39.7M | 3.377% | Dec 2030 | 2.93x | 87% | Current |
| 1610 & 1620 Arden Way | Sacramento, CA | Office | $39.5M | 3.067% | Oct 2030 | n/a | n/a | Current |
| 630 Roseville | Roseville, CA | Mixed use | $25.8M | 3.67% | Mar 2030 | 2.43x | 100% | Current |
| Folsom Gateway | Folsom, CA | Office | $21.0M | 3.49% | Jan 2030 | 4.33x | 98% | Current |
| 3000 & 3010 Lava Ridge Court | Roseville, CA | Office | $17.7M | 3.47% | Feb 2030 | 1.60x | 89% | Current |
| Superior Self Storage Pocket | Sacramento, CA | Self storage | $12.7M | 2.983% | Oct 2030 | 4.17x | 88% | Current |
All loans maturing in 2030 · All Sacramento-Roseville-Folsom loans
Source: each trust's ABS-EE asset-data exhibit (Regulation AB Schedule AL) on SEC EDGAR, reporting period ending September 11, 2026. Servicers report these figures; cmbs.news does not audit them. How this page is built.