3305 McCowan Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 3305 McCowan Way, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,456 sqft · built 1971
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individuals on Record
Last Sale	$490,000 (Dec 2017)
Tax Bill	$6,686 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Nov 2019 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`256-0221-015-0000`

Property Details

APN / Parcel Number

Primary APN	`256-0221-015-0000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,456 sqft Living Area
1st Floor Area	1,999 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	10,454 sqft (0.24 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3305 MCCOWAN WAY
City	CARMICHAEL
State	CA
Zip	95608-3133
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-4
Legal Description	WOODCREST ESTATES 02, LOT 62
Legal Subdivision	WOODCREST ESTATES 02
Legal Lot Number	62
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	4
Census Block	4000
Census Tract	5904

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 Individuals on Record
Mailing Address	3305 MCCOWAN WAY, CARMICHAEL, CA 95608-3133
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORP
Nov 27, 2019	Quit Claim Deed, Mortgage · Conventional Mortgage SCHOOLS FIN'L CU
Dec 26, 2017	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY
Dec 26, 2017	Grant Deed, Transfer · Conventional Mortgage GOLDEN 1 CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2017 · Amount on Record
Deed Sale	Dec 26, 2017 · Amount on Record
Prior Sale	Nov 17, 2015 · Amount on Record
Deed Book / Page	20171226 / 1312
Last Transfer Date	Nov 21, 2019
Transfer Doc	11270000001928
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3305 MCCOWAN WAY, CARMICHAEL, CA 95608-3133
Document Number	2009010409
Instrument Date	Aug 26, 2020
Transaction Type	Mortgage
Record Updated	Sep 22, 2020
Title Company	WFG NATIONAL TITLE INSURANCE, WFG NAT'L TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3305 MCCOWAN WAY CARMICHAEL CA 956083133, CARMICHAEL, CA 95608-3133

Mortgage

Document Number	2009010409
Date	Sep 1, 2020
Instrument	2009010409

Lender

Name	OWNING CORP
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 31, 2050

November 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 27, 2019
Property Address	3305 MCCOWAN WAY, CARMICHAEL, CA 95608-3133
Document Number	1911271928
Instrument Date	Nov 21, 2019
Instrument	1911271928
Transaction Type	Mortgage
Record Updated	Dec 12, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3305 MCCOWAN WAY CARMICHAEL CA 956083133, CARMICHAEL, CA 95608-3133

Mortgage

Document Number	1911271929
Date	Nov 27, 2019
Instrument	1911271929

Lender

Name	SCHOOLS FIN'L CU
Type	Credit Union
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 26, 2049

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 26, 2017
Property Address	3305 MCCOWAN WAY, CARMICHAEL, CA 95608-3133
Document Number	1712261313
Instrument Date	Dec 15, 2017
Instrument	1712261313
Transaction Type	Transfer
Record Updated	Jan 3, 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	3305 MCCOWAN WAY CARMICHAEL CA 956083133, CARMICHAEL, CA 95608-3133

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 26, 2017
Property Address	3305 MCCOWAN WAY, CARMICHAEL, CA 95608-3133
Document Number	1712261312
Instrument Date	Dec 11, 2017
Instrument	1712261312
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	$539.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3305 MCCOWAN WAY CARMICHAEL CA 956083133, CARMICHAEL, CA 95608-3133

Mortgage

Document Number	1712261314
Date	Dec 26, 2017
Instrument	1712261314

Lender

Name	GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 25, 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		$568,563 (+2%) Land $139,267 Building $429,296
2025	$6,686.00 (+0.97%)	$557,416 (+4.04%) Land $136,537 Building $420,879
2024	$6,622.00 (+2.59%)
2023	$6,455.00 (+0.55%)	$535,773 Land $131,236 Building $404,537
2022	$6,420.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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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