1076 Sand Bar Cir, Carmichael, CA 95608 Property Records

Sacramento County property record for 1076 Sand Bar Cir, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,692 sqft · built 1968
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$775,000 (Oct 2026)
Tax Bill	$7,153 (2026)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 6 more
Flood Zone	Zone X (reduced by levee)
APN	`292-0391-017-0000`

Property Details

APN / Parcel Number

Primary APN	`292-0391-017-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,692 sqft Living Area
1st Floor Area	1,692 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	10,019 sqft (0.23 acres)
Garage Area	615 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1076 SAND BAR CIR
City	CARMICHAEL
State	CA
Zip	95608-6156
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5 (PC)
Legal Description	DEL DAYO ESTATES 15, LOT 17
Legal Subdivision	DEL DAYO ESTATES 15
Legal Lot Number	17
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	2
Census Block	2010
Census Tract	5804

Owner

Source: Sacramento County records, as of October 21, 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	1076 SAND BAR CIR, CARMICHAEL, CA 95608-6156
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2026	Grant Deed, Transfer · Conventional Mortgage HOME LENDING
Apr 28, 2026	Grant Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
May 7, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
May 29, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Mar 6, 2020	Quit Claim Deed, Transfer FINANCE OF AMERICA MTG
Feb 21, 2018	Quit Claim Deed, Transfer Quitclaim
Mar 28, 2018	Quit Claim Deed, Transfer Quitclaim
Jan 16, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2026 · Amount on Record
Deed Sale	Oct 9, 2026 · Amount on Record
Prior Sale	Apr 28, 2026 · Amount on Record
Deed Book / Page	20261009 / 562
Prior Transfer Date	Feb 28, 2020
Prior Transfer Doc	3060000000452
Record Updated	Oct 29, 2026

October 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 9, 2026
Property Address	1076 SAND BAR CIR, CARMICHAEL, CA 95608-6156
Document Number	2026000562
Book / Page	20261009 / 562
Instrument Date	Oct 6, 2026
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	STEWART TITLE, STEWART TITLE OF CALIFORNIA

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1076 SAND BAR CIR, CARMICHAEL, CA 95608-6156

Mortgage

Document Number	2026000563,
Date	Oct 9, 2026
Book Page	20261009/563

Lender

Name	HOME LENDING

Agreement

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

Interest

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

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 28, 2026
Property Address	1076 SAND BAR CIR, CARMICHAEL, CA 95608-6156
Document Number	2026000569
Book / Page	20260428 / 569
Instrument Date	Apr 14, 2026
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	STEWART TITLE, STEWART TITLE OF CALIFORNIA

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
Relationship	Joint Tenants
Address	1076 SAND BAR CIR, CARMICHAEL, CA 95608-6156

Mortgage

Document Number	2026000570,
Date	Apr 28, 2026
Book Page	20260428/570

Lender

Name	GUILD MORTGAGE COMPANY

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%

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 7, 2020
Property Address	1076 SAND BAR CIR, CARMICHAEL, CA 95608-6156
Document Number	2005071214
Instrument Date	Apr 23, 2020
Instrument	2005071214
Transaction Type	Transfer
Record Updated	May 20, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1076 SAND BAR CIR CARMICHAEL CA 956086156, CARMICHAEL, CA 95608-6156

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 29, 2020
Property Address	1076 SAND BAR CIR, CARMICHAEL, CA 95608-6156
Document Number	2005291704
Instrument Date	Apr 23, 2020
Instrument	2005291704
Transaction Type	Transfer
Record Updated	Jun 15, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1076 SAND BAR CIR CARMICHAEL CA 956086156, CARMICHAEL, CA 95608-6156

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 6, 2020
Property Address	1076 SAND BAR CIR, CARMICHAEL, CA 95608-6156
Document Number	2003060452
Instrument Date	Feb 28, 2020
Instrument	2003060452
Transaction Type	Transfer
Record Updated	Mar 20, 2020
Title Company	STEWART TITLE, STEWART TITLE/SACRAMENTO

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1076 SAND BAR CIR CARMICHAEL CA 956086156, CARMICHAEL, CA 95608-6156

Mortgage

Document Number	2003060453
Date	Mar 6, 2020
Instrument	2003060453

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2050

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Feb 21, 2018
Property Address	1076 SAND BAR CIR, CARMICHAEL, CA 95608-6156
Document Number	1802210050
Instrument Date	Feb 13, 2018
Instrument	1802210050
Transaction Type	Transfer
Record Updated	Mar 2, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1076 SAND BAR CIR CARMICHAEL CA 956086156, CARMICHAEL, CA 95608-6156

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 28, 2018
Property Address	1076 SAND BAR CIR, CARMICHAEL, CA 95608-6156
Document Number	1803280882
Instrument Date	Feb 13, 2018
Instrument	1803280882
Transaction Type	Transfer
Record Updated	Apr 4, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1076 SAND BAR CIR CARMICHAEL CA 956086156, CARMICHAEL, CA 95608-6156

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1076 SAND BAR CIR, CARMICHAEL, CA 95608-6156
Document Number	1802010385
Instrument Date	Jan 16, 2018
Transaction Type	Mortgage
Record Updated	Aug 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1076 SAND BAR CIR CARMICHAEL CA 956086156, CARMICHAEL, CA 95608-6156

Mortgage

Document Number	1802010385
Date	Feb 1, 2018
Instrument	1802010385

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Sacramento County assessment roll, as of July 22, 2026

Property Jurisdictions

Type	Name
State	California
County	Sacramento County
Unified School District	San Juan Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$7,153.00 (+2.08%)	$591,894 (+2%) Land $295,947 Building $295,947
2025	$7,007.00 (+0.97%) Homeowner's exemption	$580,290 (+4.04%) Land $290,145 Building $290,145
2024	$6,940.00 (+2.59%)
2023	$6,765.00 (+0.56%) Homeowner's exemption	$557,758 Land $278,879 Building $278,879
2022	$6,727.00

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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 106 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	106 in force
Nearby Flood Claims	9 (1993–2026)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Apr 2026 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 3 claims

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 64% of the US · lower than 78% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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	SACRAMENTO SUBURBAN WATER DISTRICT serves 194,444 people · EPA ID CA3410001
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2023–2025) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 144 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Fidium Fiber, Succeed.Net.

Cell Coverage

5G (outdoors only) and 4G LTE

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