3977 Oak Villa Cir, Carmichael, CA 95608 Property Records

Sacramento County property record for 3977 Oak Villa Cir, Carmichael, CA 95608

Property Summary

Property Type	Planned Unit Development
Details	3 bd · 2 ba · 1,323 sqft · built 1972
Lot Size	0.032 acres (1,372 sqft)
Owner	Individual Name on Record
Tax Bill	$936 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`258-0340-030-0000`

Property Details

APN / Parcel Number

Primary APN	`258-0340-030-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,323 sqft Living Area
1st Floor Area	651 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
Roof Material	Wood Shingle
Lot Area	1,372 sqft (0.032 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3977 OAK VILLA CIR
City	CARMICHAEL
State	CA
Zip	95608-2150
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 128
Legal Subdivision	OAK KNOLL TOWNHOMES 01
Legal Lot Number	128
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	Individual Name on Record
Mailing Address	3977 OAK VILLA CIR, CARMICHAEL, CA 95608-2150
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2018	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS
Jul 16, 2018	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 1994
Deed Sale	Jan 26, 1994
Deed Book / Page	940126 / 2218
Last Transfer Date	Mar 17, 1997
Transfer Doc	9703000790
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3977 OAK VILLA CIR, CARMICHAEL, CA 95608-2150
Document Number	1807230361
Instrument Date	Jul 16, 2018
Transaction Type	Mortgage
Record Updated	Apr 4, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3977 OAK VILLA CIR CARMICHAEL CA 956082150, CARMICHAEL, CA 95608-2150

Mortgage

Document Number	1807230361
Date	Jul 23, 2018
Instrument	1807230361

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	936 Months
Due	Jul 22, 2096

Interest

Rate Type	Adjustable Rate
Rate	5.11%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	3977 OAK VILLA CIR, CARMICHAEL, CA 95608-2150
Document Number	1807230362
Instrument Date	Jul 16, 2018
Transaction Type	Mortgage
Record Updated	Apr 4, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3977 OAK VILLA CIR CARMICHAEL CA 956082150, CARMICHAEL, CA 95608-2150

Mortgage

Document Number	1807230362
Date	Jul 23, 2018
Instrument	1807230362

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	936 Months
Due	Jul 22, 2096

Interest

Rate Type	Adjustable Rate
Rate	5.11%

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		$82,362 (+2%) Land $14,030 Building $68,332
2025	$936.00 (+1.19%) Homeowner's exemption	$80,748 (+4.04%) Land $13,755 Building $66,993
2024	$925.00 (+2.66%)
2023	$901.00 (+0.9%) Homeowner's exemption	$77,615 Land $13,222 Building $64,393
2022	$893.00

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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