1082 Sand Bar Cir, Carmichael, CA 95608 Property Records

Sacramento County property record for 1082 Sand Bar Cir, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,547 sqft · built 1968
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$770,000 (Jun 2021)
Tax Bill	$10,039 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Jan 2021 Transfer + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`292-0391-018-0000`

Property Details

APN / Parcel Number

Primary APN	`292-0391-018-0000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,547 sqft Living Area
1st Floor Area	2,547 sqft
Bonus Room	Bonus Room
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces
Pool Area	10,200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1082 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 18
Legal Subdivision	DEL DAYO ESTATES 15
Legal Lot Number	18
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	2
Census Block	2010
Census Tract	5804

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	2 Individual Names on File
Mailing Address	1082 SAND BAR CIR, CARMICHAEL, CA 95608-6156
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2021	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jan 26, 2021	Quit Claim Deed, Transfer NOT AVAILABLE
Jan 15, 2021	Affidavit of Death, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 10, 2021 · Amount on Record
Deed Sale	Jun 10, 2021 · Amount on Record
Deed Book / Page	20210610 / 1416
Prior Transfer Date	Jan 23, 2021
Prior Transfer Doc	1260000001904
Record Updated	Sep 20, 2026

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 10, 2021
Property Address	1082 SAND BAR CIR, CARMICHAEL, CA 95608-6156
Document Number	0000001416
Map Reference	MB 80 MAP 3
Instrument Date	Jun 4, 2021
Instrument	202106101416
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	1082 SAND BAR CIR, CARMICHAEL, CA 95608-6156

Mortgage

Document Number	0000001417
Date	Jun 10, 2021
Instrument	202106101417

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Mortgage

Document Number	0000001418
Date	Jun 10, 2021
Instrument	202106101418

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jan 26, 2021
Property Address	1082 SAND BAR CIR, CARMICHAEL, CA 95608-6156
Document Number	2101261904
Instrument Date	Jan 23, 2021
Instrument	2101261904
Transaction Type	Transfer
Record Updated	Feb 9, 2021
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	Tenants in Common
Address	4344 COGNINA CT FREMONT CA 945366808, FREMONT, CA 94536-6808

January 2021: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SACRAMENTO CA
Recording Date	Jan 15, 2021
Property Address	1082 SAND BAR CIR, CARMICHAEL, CA 95608-6156
Document Number	2101150099
Instrument Date	Jan 8, 2021
Instrument	2101150099
Transaction Type	Transfer
Record Updated	Feb 1, 2021
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4344 COGNINA CT FREMONT CA 945366808, FREMONT, CA 94536-6808

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		$850,141 (+2%) Land $276,020 Building $574,121
2025	$10,039.00 (+0.97%) Homeowner's exemption	$833,472 (+4.04%) Land $270,608 Building $562,864
2024	$9,943.00 (+2.59%)
2023	$9,692.00 (+0.56%) Homeowner's exemption	$801,108 Land $260,100 Building $541,008
2022	$9,638.00

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 at the parcel

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 USA Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Consolidated Communications, Succeed.Net.

Cell Coverage

5G (outdoors only) and 4G LTE

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