3405 Riverdale Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 3405 Riverdale Way, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,197 sqft · built 1978
Lot Size	0.147 acres (6,383 sqft)
Owner	Individual Name on File
Last Sale	$784,000 (May 2026)
Tax Bill	$6,010 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Oct 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`260-0390-004-0000`

Property Details

APN / Parcel Number

Primary APN	`260-0390-004-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,197 sqft Living Area
1st Floor Area	1,060 sqft
2nd Floor Area	1,137 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	H-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	6,383 sqft (0.147 acres)
Garage Area	470 sqft
Parking Spaces	2 Parking Spaces
Pool Area	8,000 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3405 RIVERDALE WAY
City	CARMICHAEL
State	CA
Zip	95608-3913
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5 (NPA)
Legal Description	RIVERDALE ESTATES, LOT 4
Legal Subdivision	RIVERDALE ESTATES
Legal Lot Number	4
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	4
Census Block	4006
Census Tract	7801

Owner

3405 Riverdale Way is owned and occupied by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	3405 RIVERDALE WAY, CARMICHAEL, CA 95608-3913
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
Dec 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Oct 24, 2025	Deed of Trust, Mortgage · Line of Credit THE GOLDEN 1 CU
May 15, 2026	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 19, 2023	Intrafamily Transfer, Transfer
Apr 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2026 · Amount on File
Deed Sale	May 15, 2026 · Amount on File
Prior Sale	Jan 22, 2015 · Amount on File
Deed Book / Page	20260515 / 1049
Prior Transfer Date	Jan 12, 2023
Prior Transfer Doc	2023000854
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3405 RIVERDALE WAY, CARMICHAEL, CA 95608-3913
Transaction Type	Mortgage
Record Updated	May 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3405 RIVERDALE WAY, CARMICHAEL, CA 95608-3913

Mortgage

Document Number	0000000335
Date	Dec 17, 2021
Instrument	2021121700335

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3405 RIVERDALE WAY, CARMICHAEL, CA 95608-3913
Transaction Type	Mortgage
Record Updated	May 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3405 RIVERDALE WAY, CARMICHAEL, CA 95608-3913

Mortgage

Document Number	0000000585
Date	Oct 24, 2025
Instrument	202510240585

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 15, 2026
Property Address	3405 RIVERDALE WAY, CARMICHAEL, CA 95608-3913
Document Number	2026001049
Book / Page	20260515 / 1049
Instrument Date	May 8, 2026
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	STEWART TITLE/NW FLORIDA, STEWART TITLE OF CALIFORNIA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$87,102.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3405 RIVERDALE WAY, CARMICHAEL, CA 95608-3913
Investor	Possibly a Property Investor

Mortgage

Document Number	2026001050,
Date	May 15, 2026
Book Page	20260515/1050

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Jan 19, 2023
Property Address	3405 RIVERDALE WAY, CARMICHAEL, CA 95608-3913
Document Number	0000000854
Map Reference	MB 95 MAP 7
Instrument Date	Jan 12, 2023
Instrument	2023011900854
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3405 RIVERDALE WAY, CARMICHAEL, CA 95608-3913

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3405 RIVERDALE WAY, CARMICHAEL, CA 95608-3913
Document Number	2009080458
Instrument Date	Apr 16, 2020
Transaction Type	Mortgage
Record Updated	Sep 23, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3405 RIVERDALE WAY CARMICHAEL CA 956083913, CARMICHAEL, CA 95608-3913

Mortgage

Document Number	2009080458
Date	Sep 8, 2020
Instrument	2009080458

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	156 Months
Due	Sep 7, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 3405 Riverdale Way was $6,010, up 2.2% 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		$512,409 (+2%) Land $153,230 Building $359,179
2025	$6,010.00 (+2.18%) Homeowner's exemption	$502,363 Land $150,226 Building $352,137
2024	$5,882.00 (+1.64%)
2023	$5,787.00 (+2.06%) Homeowner's exemption	$482,858 Land $144,394 Building $338,464
2022	$5,670.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 3405 Riverdale Way in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Feb 1978 · rainfall accumulation

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 3405 Riverdale Way is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · lower than 74% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CARMICHAEL WATER DISTRICT serves 41,193 people · EPA ID CA3410004
Water Source	Groundwater influenced by surface water
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 279 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
Succeed.Net Fixed Wireless	100 / 50
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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