3538 Denfield Ln, Carmichael, CA 95608 Property Records

Sacramento County property record for 3538 Denfield Ln, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,288 sqft · built 1999
Lot Size	0.213 acres (9,274 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Jul 2018)
Tax Bill	$7,026 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`256-0380-020-0000`

Property Details

APN / Parcel Number

Primary APN	`256-0380-020-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,288 sqft Living Area
1st Floor Area	1,372 sqft
2nd Floor Area	916 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	9,274 sqft (0.213 acres)
Garage Area	612 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3538 DENFIELD LN
City	CARMICHAEL
State	CA
Zip	95608-3095
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-4
Legal Description	BRANDON OAKS, LOT 20
Legal Subdivision	BRANDON OAKS
Legal Lot Number	20
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1013
Census Tract	5901

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	3538 DENFIELD LN, CARMICHAEL, CA 95608-3095
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 17, 2019	Deed of Trust, Mortgage · Conventional with PMI PROVIDENT FNDG
Jul 12, 2018	Grant Deed, Transfer · Conventional with PMI MOVEMENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2018 · Amount on Record
Deed Sale	Jul 12, 2018 · Amount on Record
Prior Sale	May 21, 1999 · Amount on Record
Deed Book / Page	20180712 / 1155
Prior Transfer Date	Jun 11, 2015
Prior Transfer Doc	6160000001176
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3538 DENFIELD LN, CARMICHAEL, CA 95608-3095
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	PACIFIC VA TITLE, PACIFIC COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3538 DENFIELD LN, CARMICHAEL, CA 95608-3095

Mortgage

Document Number	0000000163
Date	Dec 10, 2021
Instrument	2021121000163

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2042

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3538 DENFIELD LN, CARMICHAEL, CA 95608-3095
Document Number	1904240783
Instrument Date	Apr 17, 2019
Transaction Type	Mortgage
Record Updated	May 9, 2019
Title Company	WESTMINSTER TITLE COMPANY INC, WESTMINSTER TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3538 DENFIELD LN CARMICHAEL CA 956083095, CARMICHAEL, CA 95608-3095

Mortgage

Document Number	1904240783
Date	Apr 24, 2019
Instrument	1904240783

Lender

Name	PROVIDENT FNDG
Type	Funding / Finance Company
Address	BURLINGAME, CA 94010

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 2049

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 12, 2018
Property Address	3538 DENFIELD LN, CARMICHAEL, CA 95608-3095
Document Number	1807121155
Instrument Date	Jul 10, 2018
Instrument	1807121155
Transaction Type	Transfer
Record Updated	Jul 20, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$577.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3538 DENFIELD LN CARMICHAEL CA 956083095, CARMICHAEL, CA 95608-3095

Mortgage

Document Number	1807121156
Date	Jul 12, 2018
Instrument	1807121156

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 2048

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		$597,355 (+2%) Land $113,781 Building $483,574
2025	$7,026.00 (+0.96%)	$585,643 (+4.04%) Land $111,550 Building $474,093
2024	$6,959.00 (+2.61%)
2023	$6,782.00 (+0.53%)	$562,904 Land $107,219 Building $455,685
2022	$6,746.00

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
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	7 (1986–1995)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Jan 1995 · Severe Winter Storms, Flooding, Landslides, Mud Flows
Claims by Event	Severe Storms & Flooding, Feb 1986 · 6 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 99.1% of the US · lower than 99.2% 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.

Drinking Water

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

Water System	SACRAMENTO SUBURBAN WATER DISTRICT serves 194,444 people · EPA ID CA3410001
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 461 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
Succeed.Net Fixed Wireless	100 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks.

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