3304 McCowan Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 3304 McCowan Way, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,461 sqft · built 1980
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Apr 2018)
Tax Bill	$5,904 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Apr 2018 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`256-0222-007-0000`

Property Details

APN / Parcel Number

Primary APN	`256-0222-007-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,461 sqft Living Area
1st Floor Area	1,461 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3304 MCCOWAN WAY
City	CARMICHAEL
State	CA
Zip	95608-3134
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-4
Legal Description	WOODCREST ESTATES 02, LOT 75
Legal Subdivision	WOODCREST ESTATES 02
Legal Lot Number	75
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	4
Census Block	4007
Census Tract	5904

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	3304 MCCOWAN WAY, CARMICHAEL, CA 95608-3134
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2019	Deed of Trust, Mortgage · Conventional with PMI MASON MCDUFFIE MTG
Apr 9, 2018	Grant Deed, Transfer · Conventional with PMI MOVEMENT MTG
Apr 9, 2018	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY
Jan 25, 2018	Grant Deed, Transfer CHICAGO TITLE COMPANY
Dec 20, 2017	Grant Deed, Transfer · Conventional Mortgage FELIPE & WANDA OROPEZA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2018 · Amount on Record
Deed Sale	Apr 9, 2018 · Amount on Record
Prior Sale	Jan 25, 2018 · Amount on Record
Deed Book / Page	20180409 / 878
Prior Transfer Date	Apr 5, 2018
Prior Transfer Doc	4090000000877
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3304 MCCOWAN WAY, CARMICHAEL, CA 95608-3134
Document Number	1908091611
Instrument Date	Aug 5, 2019
Transaction Type	Mortgage
Record Updated	Aug 20, 2019
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3304 MCCOWAN WAY CARMICHAEL CA 956083134, CARMICHAEL, CA 95608-3134

Mortgage

Document Number	1908091611
Date	Aug 9, 2019
Instrument	1908091611

Lender

Name	MASON MCDUFFIE MTG
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2049

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 9, 2018
Property Address	3304 MCCOWAN WAY, CARMICHAEL, CA 95608-3134
Document Number	1804090878
Instrument Date	Apr 5, 2018
Instrument	1804090878
Transaction Type	Transfer
Record Updated	Apr 18, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$467.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3304 MCCOWAN WAY CARMICHAEL CA 956083134, CARMICHAEL, CA 95608-3134

Mortgage

Document Number	1804090879
Date	Apr 9, 2018
Instrument	1804090879

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 8, 2048

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 9, 2018
Property Address	3304 MCCOWAN WAY, CARMICHAEL, CA 95608-3134
Document Number	1804090877
Instrument Date	Apr 5, 2018
Instrument	1804090877
Transaction Type	Transfer
Record Updated	Apr 17, 2018
Title Company	CHICAGO TITLE COMPANY

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	3154 OSUNA WAY SACRAMENTO CA 958332782, SACRAMENTO, CA 95833-2782

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jan 25, 2018
Property Address	3304 MCCOWAN WAY, CARMICHAEL, CA 95608-3134
Document Number	1801250047
Instrument Date	Jan 18, 2018
Instrument	1801250047
Transaction Type	Transfer
Record Updated	Feb 2, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$167.75
Amount Accuracy	Full Value

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3001 SUTTER BUTTES DR ROSEVILLE CA 957477134, ROSEVILLE, CA 95747-7134

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 20, 2017
Property Address	3304 MCCOWAN WAY, CARMICHAEL, CA 95608-3134
Document Number	1712201323
Instrument Date	Dec 18, 2017
Instrument	1712201323
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$324.00
Amount Accuracy	Full Value

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3001 SUTTER BUTTES DR ROSEVILLE CA 957477134, ROSEVILLE, CA 95747-7134

Mortgage

Document Number	1712201324
Date	Dec 20, 2017
Instrument	1712201324

Lender

Name	FELIPE & WANDA OROPEZA
Address	45 MELROSE DR, OROVILLE, CA 95966-7702

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$508,243 (+1.94%) Land $139,267 Building $368,976
2025	$5,904.00 (+4.13%) Homeowner's exemption	$498,573 (+7.27%) Land $136,537 Building $362,036
2024	$5,670.00 (+2.62%)
2023	$5,525.00 (+0.58%) Homeowner's exemption	$464,797 Land $131,236 Building $333,561
2022	$5,493.00

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 19 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	19 (1986–2021)
Claims Outside the SFHA	6 of 19
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, Mudslides, And Landslides, Dec 2005 · 2 claims Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 4 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 7 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 96% of the US · lower than 97.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 513 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, Succeed.Net.

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