3951 Oak Villa Cir, Carmichael, CA 95608 Property Records

Sacramento County property record for 3951 Oak Villa Cir, Carmichael, CA 95608

Property Summary

Property Type	Planned Unit Development
Details	3 bd · 2 ba · 1,344 sqft · built 1972
Lot Size	0.031 acres (1,366 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Jul 2018)
Tax Bill	$4,001 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`258-0340-023-0000`

Property Details

APN / Parcel Number

Primary APN	`258-0340-023-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,344 sqft Living Area
1st Floor Area	672 sqft
2nd Floor Area	672 sqft
Family Room	Family Room

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Custom Design
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Wood Shingle
Lot Area	1,366 sqft (0.031 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3951 OAK VILLA CIR
City	CARMICHAEL
State	CA
Zip	95608-2158
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Local Zoning Code	R-2-A (PD)
Legal Description	OAK KNOLL TOWNHOMES 01, LOT 62
Legal Subdivision	OAK KNOLL TOWNHOMES 01
Legal Lot Number	62
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	2
Census Block	2006
Census Tract	7602

Owner

Source: Sacramento County records, as of September 3, 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	3951 OAK VILLA CIR, CARMICHAEL, CA 95608-2158
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2022	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
Oct 8, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 14, 2022	Intrafamily Transfer, Transfer
Oct 8, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 27, 2018	Grant Deed, Transfer · VA Mortgage WESTCOAST MTG GRP & REALTY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2018 · Amount on Record
Deed Sale	Jul 27, 2018 · Amount on Record
Prior Sale	Sep 13, 2002 · Amount on Record
Deed Book / Page	20180727 / 577
Last Transfer Date	Jul 8, 2022
Transfer Doc	2022000416
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3951 OAK VILLA CIR, CARMICHAEL, CA 95608-2158
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3951 OAK VILLA CIR, CARMICHAEL, CA 95608-2158

Mortgage

Document Number	0000000565
Date	Nov 18, 2022
Instrument	2022111800565

Lender

Name	LENDAGE LLC
Type	Mortgage Company
Address	SAN MATEO, CA 94402

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3951 OAK VILLA CIR, CARMICHAEL, CA 95608-2158
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3951 OAK VILLA CIR, CARMICHAEL, CA 95608-2158

Mortgage

Document Number	0000000341
Date	Oct 8, 2021
Instrument	2021100800341

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 14, 2022
Property Address	3951 OAK VILLA CIR, CARMICHAEL, CA 95608-2158
Document Number	0000000416
Map Reference	MB 89 MAP 14
Instrument Date	Jul 8, 2022
Instrument	2022071400416
Transaction Type	Transfer
Record Updated	Jul 26, 2022

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	Tenants in Common
Address	3951 OAK VILLA CIR, CARMICHAEL, CA 95608-2158

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3951 OAK VILLA CIR, CARMICHAEL, CA 95608-2158
Transaction Type	Mortgage
Record Updated	Oct 25, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3951 OAK VILLA CIR, CARMICHAEL, CA 95608-2158

Mortgage

Document Number	2021100800341
Date	Oct 8, 2021
Instrument	2021100800341

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 27, 2018
Property Address	3951 OAK VILLA CIR, CARMICHAEL, CA 95608-2158
Document Number	1807270577
Instrument Date	Jul 23, 2018
Instrument	1807270577
Transaction Type	Transfer
Record Updated	Aug 6, 2018
Title Company	ORANGE COAST TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$275.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3951 OAK VILLA CIR CARMICHAEL CA 956082158, CARMICHAEL, CA 95608-2158

Mortgage

Document Number	1807270578
Date	Jul 27, 2018
Instrument	1807270578

Lender

Name	WESTCOAST MTG GRP & REALTY
Address	SACRAMENTO, CA 95818

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 26, 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		$338,546 (+2%) Land $86,426 Building $252,120
2025	$4,001.00 (+0.96%)	$331,909 (+4.04%) Land $84,732 Building $247,177
2024	$3,963.00 (+2.59%)
2023	$3,863.00 (+19.34%)	$319,023 Land $81,443 Building $237,580
2022	$3,237.00

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	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 627 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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