3231 Garfield Ave, Carmichael, CA 95608 Property Records

Sacramento County property record for 3231 Garfield Ave, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,684 sqft · built 1959
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$678,000 (Jan 2026)
Tax Bill	$4,222 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Feb 2021 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`272-0020-021-0000`

Property Details

APN / Parcel Number

Primary APN	`272-0020-021-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,684 sqft Living Area
1st Floor Area	2,070 sqft
Bonus Room	Bonus Room
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Area	494 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3231 GARFIELD AVE
City	CARMICHAEL
State	CA
Zip	95608-3710
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	S 66 FT OF N 330 FT OF E 182 FT TR 4 CARMICHAELCOL NO 2
Legal Subdivision	CARMICHAEL COLONY 02
Legal Tract	4
Legal Lot Number	4
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	2
Census Block	2000
Census Tract	7701

Owner

Source: Sacramento County records, as of August 11, 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	3231 GARFIELD AVE, CARMICHAEL, CA 95608-3710
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2021	Deed of Trust, Mortgage · Commercial Mortgage JANNEH C FROST HAWKINS
Feb 9, 2021	Deed of Trust, Mortgage · Commercial Mortgage SUNNY KUMAR
Jan 16, 2026	Grant Deed, Transfer · Conventional Mortgage ANSWER HOME LENDING INC
May 31, 2023	Trustee's Deed, Foreclosure PLACER TITLE COMPANY
Jun 25, 2021	Deed of Trust, Mortgage · Commercial Mortgage JANNEH C FROST HAWKINS
Oct 23, 2020	Loan Modification, Mortgage CRAIG I JAFFE
Oct 28, 2020	Quit Claim Deed, Transfer FOOTHILL MORTGAGE FUND OF OLYMPIA L
Dec 23, 2019	Grant Deed, Transfer CRAIG E JAFFE
Oct 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage DITECH FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2026 · Amount on Record
Deed Sale	Jan 16, 2026 · Amount on Record
Prior Sale	Feb 21, 2025 · Amount on Record
Deed Book / Page	20260116 / 373
Prior Transfer Date	Jul 21, 2008
Prior Transfer Doc	0000001393
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3231 GARFIELD AVE, CARMICHAEL, CA 95608-3710
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3231 GARFIELD AVE, CARMICHAEL, CA 95608-3710
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001385
Date	Jun 25, 2021
Instrument	202106251385

Lender

Name	JANNEH C FROST HAWKINS
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3231 GARFIELD AVE, CARMICHAEL, CA 95608-3710
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	ORABGE COAST TITLE, ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5401 TERSK WAY, ELK GROVE, CA 95757-3225
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001567
Date	Feb 9, 2021
Instrument	202102091567

Lender

Name	SUNNY KUMAR
Type	Private Party
Address	1545 GUITOZ STREET, SAN DIEGO, CA 92107

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jan 16, 2026
Property Address	3231 GARFIELD AVE, CARMICHAEL, CA 95608-3710
Document Number	0000000373
Map Reference	MB 15 MAP 3
Instrument Date	Jan 15, 2026
Instrument	202601160373
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE COMPANY

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	3231 GARFIELD AVE, CARMICHAEL, CA 95608-3710

Mortgage

Document Number	0000000374
Date	Jan 16, 2026
Instrument	202601160374

Lender

Name	ANSWER HOME LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2046

May 2023: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 31, 2023
Property Address	3231 GARFIELD AVE, CARMICHAEL, CA 95608-3710
Document Number	0000000524
Map Reference	MB 15 MAP 3
Instrument Date	May 25, 2023
Instrument	202305310524
Transaction Type	Foreclosure
Record Updated	Jun 9, 2023
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1740 E MAIN ST STE 102, 102, GRASS VALLEY, CA 95945-4023

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3231 GARFIELD AVE, CARMICHAEL, CA 95608-3710
Transaction Type	Mortgage
Record Updated	Jul 7, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3231 GARFIELD AVE, CARMICHAEL, CA 95608-3710

Mortgage

Document Number	6250000001385
Date	Jun 25, 2021
Book Page	20210625/1385

Lender

Name	JANNEH C FROST HAWKINS
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SACRAMENTO CA
Property Address	3231 GARFIELD AVE, CARMICHAEL, CA 95608-3710
Document Number	2010281997
Instrument Date	Oct 23, 2020
Transaction Type	Mortgage
Record Updated	Nov 10, 2020
Title Company	ALLIED TITLE AND ESCROW SERVICES, ALLIED TITLE & ESCROW SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2441 CATALINA DR SACRAMENTO CA 958640608, SACRAMENTO, CA 95864-0608

Mortgage

Document Number	2010281997
Date	Oct 28, 2020
Instrument	2010281997

Lender

Name	CRAIG I JAFFE
Address	13160 MINDANAO WAY # 204, MARINA DEL REY, CA 90292-7903

Agreement

Amount	Amount Recorded

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 28, 2020
Property Address	3231 GARFIELD AVE, CARMICHAEL, CA 95608-3710
Document Number	2010281996
Instrument Date	Oct 20, 2020
Instrument	2010281996
Transaction Type	Transfer
Record Updated	Nov 10, 2020
Title Company	ALLIED TITLE AND ESCROW SERVICES, ALLIED TITLE & ESCROW SVCS

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2441 CATALINA DR SACRAMENTO CA 958640608, SACRAMENTO, CA 95864-0608

Mortgage

Document Number	2010281999
Date	Oct 28, 2020
Instrument	2010281999

Lender

Name	FOOTHILL MORTGAGE FUND OF OLYMPIA L
Type	Bank

Agreement

Amount	Amount Recorded

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 23, 2019
Property Address	3231 GARFIELD AVE, CARMICHAEL, CA 95608-3710
Document Number	1912230783
Instrument Date	Dec 19, 2019
Instrument	1912230783
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$250.25
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2441 CATALINA DR SACRAMENTO CA 958640608, SACRAMENTO, CA 95864-0608

Mortgage

Document Number	1912240412
Date	Dec 23, 2019
Instrument	1912240412

Lender

Name	CRAIG E JAFFE
Address	13160 MINDANAO WAY # 204, MARINA DEL REY, CA 90292-7903

Agreement

Amount	Amount Recorded

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3231 GARFIELD AVE, CARMICHAEL, CA 95608-3710
Document Number	1711071003
Instrument Date	Oct 26, 2017
Transaction Type	Mortgage
Record Updated	Nov 14, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	4105 DENA WAY SACRAMENTO CA 958213057, SACRAMENTO, CA 95821-3057

Mortgage

Document Number	1711071003
Date	Nov 7, 2017
Instrument	1711071003

Lender

Name	DITECH FIN'L
Address	TAMPA, FL 33607

Agreement

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

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		$331,500 (-4.89%) Land $132,600 Building $198,900
2025	$4,222.00 (+2.15%)	$348,534 (+24.7%) Land $124,848 Building $223,686
2024	$4,133.00 (+21.7%)
2023	$3,396.00 (+3.16%)	$279,494 Land $119,646 Building $159,848
2022	$3,292.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	3 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	Not rated no burnable land within 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	CARMICHAEL WATER DISTRICT serves 41,193 people · EPA ID CA3410004
Water Source	Groundwater influenced by surface water
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 578 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Fidium Fiber Fiber	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Succeed.Net, Verizon.

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