1104 Sand Bar Cir, Carmichael, CA 95608 Property Records

Sacramento County property record for 1104 Sand Bar Cir, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 4,209 sqft · built 1973
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$685,000 (Dec 2017)
Tax Bill	$9,986 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`292-0393-007-0000`

Property Details

APN / Parcel Number

Primary APN	`292-0393-007-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,209 sqft Living Area
1st Floor Area	2,139 sqft
2nd Floor Area	1,185 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	L-Shape
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Other
Lot Area	12,632 sqft (0.29 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1104 SAND BAR CIR
City	CARMICHAEL
State	CA
Zip	95608-6155
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5 (PC)
Legal Description	DEL DAYO ESTATES 15, LOT 22
Legal Subdivision	DEL DAYO ESTATES 15
Legal Lot Number	22
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	2
Census Block	2010
Census Tract	5804

Owner

Source: Sacramento County records, 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 Record
Mailing Address	1104 SAND BAR CIR, CARMICHAEL, CA 95608-6155
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER RATE MORTGAGE INC
Apr 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER RATE MORTGAGE INC
Oct 12, 2018	Deed of Trust, Mortgage · Line of Credit TCF NAT'L BK
Dec 7, 2017	Grant Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2017 · Amount on Record
Deed Sale	Dec 7, 2017 · Amount on Record
Deed Book / Page	20171207 / 1779
Prior Transfer Date	Sep 14, 1995
Prior Transfer Doc	9509001348
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1104 SAND BAR CIR, CARMICHAEL, CA 95608-6155
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1104 SAND BAR CIR, CARMICHAEL, CA 95608-6155

Mortgage

Document Number	0000001004
Date	Apr 16, 2021
Instrument	202104161004

Lender

Name	BETTER RATE MORTGAGE INC
Type	Non-Lending Institution
Address	ROSEVILLE, CA 95661

Agreement

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

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1104 SAND BAR CIR, CARMICHAEL, CA 95608-6155
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1104 SAND BAR CIR, CARMICHAEL, CA 95608-6155

Mortgage

Document Number	4160000001004
Date	Apr 16, 2021
Book Page	20210416/1004

Lender

Name	BETTER RATE MORTGAGE INC
Type	Non-Lending Institution
Address	ROSEVILLE, CA 95661

Agreement

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

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	1104 SAND BAR CIR, CARMICHAEL, CA 95608-6155
Document Number	1810240952
Instrument Date	Oct 12, 2018
Transaction Type	Mortgage
Record Updated	Nov 7, 2018
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1104 SAND BAR CIR CARMICHAEL CA 956086155, CARMICHAEL, CA 95608-6155

Mortgage

Document Number	1810240952
Date	Oct 24, 2018
Instrument	1810240952

Lender

Name	TCF NAT'L BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2048

Interest

Rate Type	Adjustable Rate

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 7, 2017
Property Address	1104 SAND BAR CIR, CARMICHAEL, CA 95608-6155
Document Number	1712071779
Instrument Date	Dec 4, 2017
Instrument	1712071779
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$753.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1104 SAND BAR CIR CARMICHAEL CA 956086155, CARMICHAEL, CA 95608-6155

Mortgage

Document Number	1712071780
Date	Dec 7, 2017
Instrument	1712071780

Lender

Name	SIERRA PACIFIC MTG
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 6, 2047

Mortgage

Document Number	1712071781,
Date	Dec 7, 2017
Instrument	1712071781

Lender

Name	TCF NAT'L BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 6, 2047

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		$838,233 (+2%) Land $304,651 Building $533,582
2025	$9,986.00 (+0.95%)	$821,798 (+4.04%) Land $298,678 Building $523,120
2024	$9,892.00 (+2.56%)
2023	$9,645.00 (+0.54%)	$789,888 Land $287,081 Building $502,807
2022	$9,593.00

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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