3321 McCowan Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 3321 McCowan Way, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,100 sqft · built 1971
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Individual Names on Record
Last Sale	$530,000 (Apr 2017)
Tax Bill	$7,292 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`256-0221-011-0000`

Property Details

APN / Parcel Number

Primary APN	`256-0221-011-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,100 sqft Living Area
1st Floor Area	2,100 sqft
Family Room	Family 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	23,087 sqft (0.53 acres)
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3321 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 66
Legal Subdivision	WOODCREST ESTATES 02
Legal Lot Number	66
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	4
Census Block	4002
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	3321 MCCOWAN WAY, CARMICHAEL, CA 95608-3133
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage NBKC BK
Apr 12, 2017	Grant Deed, Transfer · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2017 · Amount on Record
Deed Sale	Apr 12, 2017 · Amount on Record
Prior Sale	Dec 10, 2015 · Amount on Record
Deed Book / Page	20170412 / 1110
Prior Transfer Date	Dec 9, 2015
Prior Transfer Doc	0000000306
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3321 MCCOWAN WAY, CARMICHAEL, CA 95608-3133
Document Number	2101251203
Instrument Date	Jan 18, 2021
Transaction Type	Mortgage
Record Updated	Feb 8, 2021
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3321 MCCOWAN WAY CARMICHAEL CA 956083133, CARMICHAEL, CA 95608-3133

Mortgage

Document Number	2101251203
Date	Jan 25, 2021
Instrument	2101251203

Lender

Name	NBKC BK
Address	KANSAS CITY, MO 64114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 24, 2051

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 12, 2017
Property Address	3321 MCCOWAN WAY, CARMICHAEL, CA 95608-3133
Document Number	4120000001110
Book / Page	20170412 / 1110
Map Reference	MB 65 MAP 34
Instrument Date	Apr 11, 2017
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	STEWART

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	3321 MCCOWAN WAY, CARMICHAEL, CA 95608-3133

Mortgage

Document Number	201704121111
Date	Apr 12, 2017
Instrument	20170412/1111

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 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		$627,404 (+2%) Land $156,256 Building $471,148
2025	$7,292.00 (+0.98%) Homeowner's exemption	$615,103 (+4.04%) Land $153,193 Building $461,910
2024	$7,221.00 (+2.61%)
2023	$7,037.00 (+0.57%) Homeowner's exemption	$591,220 Land $147,246 Building $443,974
2022	$6,997.00

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	No
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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