4124 Joy Ln, Carmichael, CA 95608 Property Records

Sacramento County property record for 4124 Joy Ln, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,702 sqft · built 1978
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on Record
Last Sale	$539,000 (Dec 2020)
Tax Bill	$6,978 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Jan 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`247-0260-021-0000`

Property Details

APN / Parcel Number

Primary APN	`247-0260-021-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,702 sqft Living Area
1st Floor Area	1,702 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Custom Design
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	17,860 sqft (0.41 acres)
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4124 JOY LN
City	CARMICHAEL
State	CA
Zip	95608-2621
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	S 79 FT OF THE N 159 FT OF THE S 390 FT OF THE W220 FT OF THE E 330 FT OF LOT 30 CARMICHAEL COLONY
Legal Subdivision	CARMICHAEL COLONY
Legal Lot Number	30
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1021
Census Tract	7905

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	4124 JOY LN, CARMICHAEL, CA 95608-2621
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST US COMMUNITY CU
Jan 21, 2021	Quit Claim Deed, Transfer NOT AVAILABLE
Dec 9, 2020	Grant Deed, Transfer · Conventional Mortgage COMMERCE HM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2020 · Amount on Record
Deed Sale	Dec 9, 2020 · Amount on Record
Deed Book / Page	20201209 / 1853
Last Transfer Date	Jan 7, 2021
Transfer Doc	1210000001727
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4124 JOY LN, CARMICHAEL, CA 95608-2621
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4124 JOY LN, CARMICHAEL, CA 95608-2621

Mortgage

Document Number	0000001195
Date	Jul 29, 2022
Instrument	2022072901195

Lender

Name	FIRST US COMMUNITY CU
Type	Credit Union
Address	SACRAMENTO, CA 95825

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Aug 1, 2037
Change Frequency	10 Years
Min Rate At Change	1%
Max Rate At Change	10.2%
Index	10-Year TN
Margin	1
Max Rate	10.2%

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jan 21, 2021
Property Address	4124 JOY LN, CARMICHAEL, CA 95608-2621
Document Number	2101211727
Instrument Date	Jan 7, 2021
Instrument	2101211727
Transaction Type	Transfer
Record Updated	Feb 4, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4124 JOY LN CARMICHAEL CA 956082621, CARMICHAEL, CA 95608-2621

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 9, 2020
Property Address	4124 JOY LN, CARMICHAEL, CA 95608-2621
Document Number	2012091853
Instrument Date	Dec 7, 2020
Instrument	2012091853
Transaction Type	Transfer
Record Updated	Dec 22, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$593.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4124 JOY LN CARMICHAEL CA 956082621, CARMICHAEL, CA 95608-2621

Mortgage

Document Number	2012091854
Date	Dec 9, 2020
Instrument	2012091854

Lender

Name	COMMERCE HM MTG
Address	IRVINE, CA 92606

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 8, 2050

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		$595,093 (+2%) Land $178,527 Building $416,566
2025	$6,978.00 (+2.18%) Homeowner's exemption	$583,426 (+4.04%) Land $175,027 Building $408,399
2024	$6,829.00 (+1.64%)
2023	$6,719.00 (+2.05%) Homeowner's exemption	$560,774 Land $168,232 Building $392,542
2022	$6,584.00

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	4 in force
Nearby Flood Claims	2 (1995–1998)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Mar 1998 · Severe Winter Storms And Flooding

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 80% of the US · lower than 88% of California
Wildfire Likelihood	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 418 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: GeoLinks, Succeed.Net, T-Mobile.

Nearby Properties on Joy Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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