3314 McCowan Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 3314 McCowan Way, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,735 sqft · built 1960
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,004 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`256-0222-001-0000`

Property Details

APN / Parcel Number

Primary APN	`256-0222-001-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,735 sqft Living Area
1st Floor Area	2,243 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	10,890 sqft (0.25 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3314 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 73
Legal Subdivision	WOODCREST ESTATES 02
Legal Lot Number	73
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	4
Census Block	4007
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 Individual Names on File
Mailing Address	3314 MCCOWAN WAY, CARMICHAEL, CA 95608-3134
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Oct 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage EL DORADO SVGS BK
Nov 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jul 21, 2005
Transfer Doc	0000001096
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3314 MCCOWAN WAY, CARMICHAEL, CA 95608-3134
Transaction Type	Mortgage
Record Updated	Jul 18, 2023
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3314 MCCOWAN WAY, CARMICHAEL, CA 95608-3134

Mortgage

Document Number	0000000470
Date	Jul 5, 2023
Instrument	2023070500470

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jul 1, 2048

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3314 MCCOWAN WAY, CARMICHAEL, CA 95608-3134
Document Number	1910111204
Instrument Date	Oct 1, 2019
Transaction Type	Mortgage
Record Updated	Oct 25, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3314 MCCOWAN WAY CARMICHAEL CA 956083134, CARMICHAEL, CA 95608-3134

Mortgage

Document Number	1910111204
Date	Oct 11, 2019
Instrument	1910111204

Lender

Name	EL DORADO SVGS BK
Type	Federal Savings Bank
Address	PLACERVILLE, CA 95667

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 10, 2034

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3314 MCCOWAN WAY, CARMICHAEL, CA 95608-3134
Document Number	1812040231
Instrument Date	Nov 26, 2018
Transaction Type	Mortgage
Record Updated	Dec 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3314 MCCOWAN WAY CARMICHAEL CA 956083134, CARMICHAEL, CA 95608-3134

Mortgage

Document Number	1812040231
Date	Dec 4, 2018
Instrument	1812040231

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 3, 2033

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		$259,392 (+2%) Land $77,576 Building $181,816
2025	$3,004.00 (+1.01%) Homeowner's exemption	$254,306 (+4.04%) Land $76,055 Building $178,251
2024	$2,974.00 (+2.66%)
2023	$2,897.00 (+0.63%) Homeowner's exemption	$244,432 Land $73,102 Building $171,330
2022	$2,879.00

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

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
Consolidated Communications Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: California Internet, Succeed.Net.

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