4101 Swift Water Ct, Carmichael, CA 95608 Property Records

Sacramento County property record for 4101 Swift Water Ct, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,326 sqft · built 1992
Lot Size	0.201 acres (8,739 sqft)
Owner	2 Individual Names on File
Last Sale	$474,500 (Jul 2017)
Tax Bill	$6,464 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`245-0190-085-0000`

Property Details

APN / Parcel Number

Primary APN	`245-0190-085-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,326 sqft Living Area
1st Floor Area	2,326 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Custom Design
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	8,739 sqft (0.201 acres)
Garage Area	632 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4101 SWIFT WATER CT
City	CARMICHAEL
State	CA
Zip	95608-1795
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	FOUNTAINDALE SUBDIVISION, LOT 23
Legal Subdivision	FOUNTAINDALE SUBDIVISION
Legal Lot Number	23
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	2
Census Block	2006
Census Tract	7906

Owner

4101 Swift Water Ct is owned and occupied by two individuals who bought it in July 2017.

Source: Sacramento County records, as of September 3, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4101 SWIFT WATER CT, CARMICHAEL, CA 95608-1795
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2022	Deed of Trust, Mortgage · VA Mortgage SMI LENDING INC
Nov 9, 2020	Deed of Trust, Mortgage · VA Mortgage SMI LNDG
Aug 7, 2019	Deed of Trust, Mortgage · VA Mortgage MR COOPER
Jul 3, 2017	Grant Deed, Transfer · VA Mortgage NEIGHBORS FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2017 · Amount on File
Deed Sale	Jul 3, 2017 · Amount on File
Prior Sale	Jun 29, 2001 · Amount on File
Deed Book / Page	20170703 / 1020
Prior Transfer Date	Sep 14, 1995
Prior Transfer Doc	9509000020
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4101 SWIFT WATER CT, CARMICHAEL, CA 95608-1795
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4101 SWIFT WATER CT, CARMICHAEL, CA 95608-1795

Mortgage

Document Number	0000000632
Date	Feb 10, 2022
Instrument	2022021000632

Lender

Name	SMI LENDING INC
Type	Lending Institution
Address	DALLAS, TX 75244

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4101 SWIFT WATER CT, CARMICHAEL, CA 95608-1795
Document Number	2011301296
Instrument Date	Nov 9, 2020
Transaction Type	Mortgage
Record Updated	Dec 14, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4101 SWIFT WATER CT CARMICHAEL CA 956081795, CARMICHAEL, CA 95608-1795

Mortgage

Document Number	2011301296
Date	Nov 30, 2020
Instrument	2011301296

Lender

Name	SMI LNDG
Address	DALLAS, TX 75244

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 29, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4101 SWIFT WATER CT, CARMICHAEL, CA 95608-1795
Document Number	1908130377
Instrument Date	Aug 7, 2019
Transaction Type	Mortgage
Record Updated	Aug 28, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4101 SWIFT WATER CT CARMICHAEL CA 956081795, CARMICHAEL, CA 95608-1795

Mortgage

Document Number	1908130377
Date	Aug 13, 2019
Instrument	1908130377

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 12, 2049

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 3, 2017
Property Address	4101 SWIFT WATER CT, CARMICHAEL, CA 95608-1795
Document Number	1707031020
Instrument Date	Jun 23, 2017
Instrument	1707031020
Transaction Type	Transfer
Record Updated	Jul 25, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$521.00
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	4101 SWIFT WATER CT CARMICHAEL CA 956081795, CARMICHAEL, CA 95608-1795

Mortgage

Document Number	1707031021
Date	Jul 3, 2017
Instrument	1707031021

Lender

Name	NEIGHBORS FIN'L
Type	Funding / Finance Company
Address	SACRAMENTO, CA 95819

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 2, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4101 Swift Water Ct was $6,464 with a homeowner's exemption, up 2.2% from the year before.

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		$550,691 (+2%) Land $145,070 Building $405,621
2025	$6,464.00 (+2.18%) Homeowner's exemption	$539,894 Land $142,226 Building $397,668
2024	$6,326.00 (+1.64%)
2023	$6,224.00 (+2.05%) Homeowner's exemption	$518,931 Land $136,704 Building $382,227
2022	$6,099.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 4101 Swift Water Ct in Zone X, an area of minimal flood risk.

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	3 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

The area around 4101 Swift Water Ct has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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.

Nearby Properties on Swift Water Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures