3651 Garden Ct, Carmichael, CA 95608 Property Records

Sacramento County property record for 3651 Garden Ct, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,943 sqft · built 1948
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Company Names on Record
Last Sale	$257,000 (May 2001)
Tax Bill	$5,624 (2025)
Deeds & Mortgages	Feb 2024 Transfer Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`260-0100-001-0000`

Property Details

APN / Parcel Number

Primary APN	`260-0100-001-0000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,943 sqft Living Area
Gross Area	3,396 sqft
1st Floor Area	2,219 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	16,988 sqft (0.39 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Pool Area	14,700 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3651 GARDEN CT
City	CARMICHAEL
State	CA
Zip	95608-6412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	FIRESIDE GARDENS K & R, LOT 12
Legal Subdivision	FIRESIDE GARDENS K & R
Legal Lot Number	12
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1012
Census Tract	7801

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 Company Names on Record
Mailing Address	3651 GARDEN CT, CARMICHAEL, CA 95608-6412
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2024	Intrafamily Transfer, Transfer
Sep 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG
Jun 6, 2019	Deed of Trust, Mortgage · Line of Credit JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2001 · Amount on Record
Deed Sale	May 16, 2001 · Amount on Record
Deed Book / Page	20010516 / 166
Last Transfer Date	Feb 2, 2024
Transfer Doc	2024000274
Record Updated	Sep 20, 2026

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Feb 8, 2024
Property Address	3651 GARDEN CT, CARMICHAEL, CA 95608-6412
Document Number	0000000274
Map Reference	MB 27 MAP 5
Instrument Date	Feb 2, 2024
Instrument	202402080274
Transaction Type	Transfer
Record Updated	Feb 20, 2024

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	Living Trust
Address	3651 GARDEN CT, CARMICHAEL, CA 95608-6412

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3651 GARDEN CT, CARMICHAEL, CA 95608-6412
Document Number	2009290461
Instrument Date	Sep 23, 2020
Transaction Type	Mortgage
Record Updated	Oct 16, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3651 GARDEN CT CARMICHAEL CA 956086412, CARMICHAEL, CA 95608-6412

Mortgage

Document Number	2009290461
Date	Sep 29, 2020
Instrument	2009290461

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 28, 2035

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3651 GARDEN CT, CARMICHAEL, CA 95608-6412
Document Number	1906200670
Instrument Date	Jun 6, 2019
Transaction Type	Mortgage
Record Updated	Jul 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3651 GARDEN CT CARMICHAEL CA 956086412, CARMICHAEL, CA 95608-6412

Mortgage

Document Number	1906200670
Date	Jun 20, 2019
Instrument	1906200670

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 19, 2049

Interest

Rate Type	Adjustable Rate

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		$480,915 (+2%) Land $98,352 Building $382,563
2025	$5,624.00 (+2.18%) Homeowner's exemption	$471,486 (+4.04%) Land $96,424 Building $375,062
2024	$5,504.00 (+1.64%)
2023	$5,415.00 (+2.05%) Homeowner's exemption	$453,180 Land $92,681 Building $360,499
2022	$5,306.00

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	1 in force

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	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 297 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	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: Fidium Fiber, GeoLinks, Succeed.Net.

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