3521 Garfield Ave, Carmichael, CA 95608 Property Records

Sacramento County property record for 3521 Garfield Ave, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,693 sqft · built 1957
Lot Size	0.312 acres (13,600 sqft)
Owner	Company Name on Record
Last Sale	$360,000 (Apr 2015)
Tax Bill	$5,440 (2025)
Deeds & Mortgages	Feb 2024 Second Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`258-0203-025-0000`

Property Details

APN / Parcel Number

Primary APN	`258-0203-025-0000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,693 sqft Living Area
Gross Area	2,774 sqft
1st Floor Area	1,999 sqft
Bonus Room	Bonus Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	13,600 sqft (0.312 acres)
Garage Area	530 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3521 GARFIELD AVE
City	CARMICHAEL
State	CA
Zip	95608-3013
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	S80FT OF N165FT OF E 190FT OF S1/2 TR 17 OAKVALE
Legal Subdivision	OAKDALE
Legal Tract	17
Legal Lot Number	17
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	3
Census Block	3007
Census Tract	7602

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	Company Name on Record
Mailing Address	3521 GARFIELD AVE, CARMICHAEL, CA 95608-3013
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SCHOOLSFIRST FCU
Oct 30, 2020	Quit Claim Deed, Transfer UNITED WHOLESALE MTG
Oct 30, 2020	Quit Claim Deed, Transfer NORTH AMERICAN TITLE
Aug 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage SCHOOLS FIN'L CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2015 · Amount on Record
Deed Sale	Apr 30, 2015 · Amount on Record
Prior Sale	May 28, 1997 · Amount on Record
Deed Book / Page	20150430 / 1014
Last Transfer Date	Oct 24, 2020
Transfer Doc	10300000001528
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3521 GARFIELD AVE, CARMICHAEL, CA 95608-3013
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3521 GARFIELD AVE, CARMICHAEL, CA 95608-3013

Mortgage

Document Number	0000000684
Date	Feb 6, 2024
Instrument	202402060684

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 5, 2039

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 30, 2020
Property Address	3521 GARFIELD AVE, CARMICHAEL, CA 95608-3013
Document Number	2010301528
Instrument Date	Oct 24, 2020
Instrument	2010301528
Transaction Type	Transfer
Record Updated	Nov 12, 2020
Title Company	NORTH AMERICAN TITLE

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	3521 GARFIELD AVE CARMICHAEL CA 956083013, CARMICHAEL, CA 95608-3013

Mortgage

Document Number	2010301529
Date	Oct 30, 2020
Instrument	2010301529

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 29, 2050

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 30, 2020
Property Address	3521 GARFIELD AVE, CARMICHAEL, CA 95608-3013
Document Number	2010301530
Instrument Date	Oct 24, 2020
Instrument	2010301530
Transaction Type	Transfer
Record Updated	Nov 12, 2020
Title Company	NORTH AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3521 GARFIELD AVE CARMICHAEL CA 956083013, CARMICHAEL, CA 95608-3013

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3521 GARFIELD AVE, CARMICHAEL, CA 95608-3013
Document Number	1709280053
Instrument Date	Aug 31, 2017
Transaction Type	Mortgage
Record Updated	Oct 9, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3521 GARFIELD AVE CARMICHAEL CA 956083013, CARMICHAEL, CA 95608-3013

Mortgage

Document Number	1709280053
Date	Sep 28, 2017
Instrument	1709280053

Lender

Name	SCHOOLS FIN'L CU
Type	Credit Union
Address	SACRAMENTO, CA 95853

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 27, 2027

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		$456,912 (+2%) Land $104,194 Building $352,718
2025	$5,440.00 (+5.73%)	$447,953 (+7.72%) Land $102,151 Building $345,802
2024	$5,145.00 (+1.6%)
2023	$5,064.00 (+2.04%)	$415,855 Land $98,186 Building $317,669
2022	$4,963.00

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	4 (1995–1998)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 469 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 Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Succeed.Net.

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