3309 McCowan Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 3309 McCowan Way, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,010 sqft · built 1960
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$645,000 (Sep 2025)
Tax Bill	$6,539 (2025)
Deeds & Mortgages	Nov 2019 Transfer Nov 2019 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`256-0221-014-0000`

Property Details

APN / Parcel Number

Primary APN	`256-0221-014-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,010 sqft Living Area
1st Floor Area	1,720 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	10,454 sqft (0.24 acres)
Garage Area	451 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3309 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 63
Legal Subdivision	WOODCREST ESTATES 02
Legal Lot Number	63
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	4
Census Block	4000
Census Tract	5904

Owner

3309 McCowan Way is owned and occupied by two individuals who bought it in September 2025.

Source: Sacramento County records, as of July 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3309 MCCOWAN WAY, CARMICHAEL, CA 95608-3133
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2019	Affidavit of Death, Transfer OLD REPUBLIC TITLE
Nov 15, 2019	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
Nov 15, 2019	Quit Claim Deed, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2025 · Amount on File
Deed Sale	Sep 3, 2025 · Amount on File
Prior Sale	Apr 1, 2025 · Amount on File
Deed Book / Page	20250903 / 1491
Prior Transfer Date	Feb 7, 2025
Prior Transfer Doc	2025000254
Record Updated	Oct 29, 2026

November 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 15, 2019
Property Address	3309 MCCOWAN WAY, CARMICHAEL, CA 95608-3133
Document Number	1911150964
Instrument Date	Nov 9, 2019
Instrument	1911150964
Transaction Type	Transfer
Record Updated	Nov 27, 2019
Title Company	OLD REPUBLIC TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3309 MCCOWAN WAY CARMICHAEL CA 956083133, CARMICHAEL, CA 95608-3133

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 15, 2019
Property Address	3309 MCCOWAN WAY, CARMICHAEL, CA 95608-3133
Document Number	1911150967
Instrument Date	Nov 7, 2019
Instrument	1911150967
Transaction Type	Transfer
Record Updated	Nov 27, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3309 MCCOWAN WAY CARMICHAEL CA 956083133, CARMICHAEL, CA 95608-3133

November 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 15, 2019
Property Address	3309 MCCOWAN WAY, CARMICHAEL, CA 95608-3133
Document Number	1911150965
Instrument Date	Nov 7, 2019
Instrument	1911150965
Transaction Type	Mortgage
Record Updated	Nov 27, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3309 MCCOWAN WAY CARMICHAEL CA 956083133, CARMICHAEL, CA 95608-3133

Mortgage

Document Number	1911150966
Date	Nov 15, 2019
Instrument	1911150966

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 14, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3309 McCowan Way was $6,539, up 390.2% from the year before.

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		$645,000 (+18.35%) Land $160,000 Building $485,000
2025	$6,539.00 (+390.18%)	$545,000 Land $160,000 Building $385,000
2024	$1,334.00 (+2.54%)
2023	$1,301.00 (+0.62%)	$103,594 Land $24,540 Building $79,054
2022	$1,293.00

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

FEMA maps place 3309 McCowan Way in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 3309 McCowan Way is low, with less than a 0.01% annual chance of 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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