4512 Charleston Dr, Carmichael, CA 95608 Property Records

Sacramento County property record for 4512 Charleston Dr, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,303 sqft · built 1960
Lot Size	0.219 acres (9,520 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,848 (2025)
Deeds & Mortgages	Jan 2023 Second Mortgage Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`247-0041-004-0000`

Property Details

APN / Parcel Number

Primary APN	`247-0041-004-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,303 sqft Living Area
1st Floor Area	1,732 sqft
Bonus Room	Bonus Room
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	L-Shape
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	9,520 sqft (0.219 acres)
Parking Spaces	2 Parking Spaces
Pool Area	31,000 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4512 CHARLESTON DR
City	CARMICHAEL
State	CA
Zip	95608-1529
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	WINDING WAY ESTATES 02, LOT 97
Legal Subdivision	WINDING WAY ESTATES 02
Legal Lot Number	97
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	2
Census Block	2006
Census Tract	7905

Owner

4512 Charleston Dr is owned and occupied by two individuals who acquired it in November 2009.

Source: Sacramento County records, as of July 22, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	4512 CHARLESTON DR, CARMICHAEL, CA 95608-1529
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage THE GOLDEN 1 CU
Nov 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Feb 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG
Oct 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT PTRS GRP
Jan 22, 2019	Deed of Trust, Mortgage · Conventional with PMI SAFE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 12, 2009
Transfer Doc	0000000279
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4512 CHARLESTON DR, CARMICHAEL, CA 95608-1529
Transaction Type	Mortgage
Record Updated	Jan 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4512 CHARLESTON DR, CARMICHAEL, CA 95608-1529

Mortgage

Document Number	0000000415
Date	Jan 5, 2023
Instrument	2023010500415

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 5, 2043

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4512 CHARLESTON DR, CARMICHAEL, CA 95608-1529
Document Number	2011061337
Instrument Date	Nov 2, 2020
Transaction Type	Mortgage
Record Updated	Nov 19, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4512 CHARLESTON DR CARMICHAEL CA 956081529, CARMICHAEL, CA 95608-1529

Mortgage

Document Number	2011061337
Date	Nov 6, 2020
Instrument	2011061337

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 5, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4512 CHARLESTON DR, CARMICHAEL, CA 95608-1529
Document Number	2002180549
Instrument Date	Feb 12, 2020
Transaction Type	Mortgage
Record Updated	Mar 5, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4512 CHARLESTON DR CARMICHAEL CA 956081529, CARMICHAEL, CA 95608-1529

Mortgage

Document Number	2002180549
Date	Feb 18, 2020
Instrument	2002180549

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 17, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4512 CHARLESTON DR, CARMICHAEL, CA 95608-1529
Document Number	1910110791
Instrument Date	Oct 7, 2019
Transaction Type	Mortgage
Record Updated	Oct 25, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4512 CHARLESTON DR CARMICHAEL CA 956081529, CARMICHAEL, CA 95608-1529

Mortgage

Document Number	1910110791
Date	Oct 11, 2019
Instrument	1910110791

Lender

Name	PARAMOUNT PTRS GRP
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 10, 2049

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4512 CHARLESTON DR, CARMICHAEL, CA 95608-1529
Document Number	1901280919
Instrument Date	Jan 22, 2019
Transaction Type	Mortgage
Record Updated	Feb 13, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4512 CHARLESTON DR CARMICHAEL CA 956081529, CARMICHAEL, CA 95608-1529

Mortgage

Document Number	1901280919
Date	Jan 28, 2019
Instrument	1901280919

Lender

Name	SAFE FCU
Type	Credit Union
Address	FOLSOM, CA 95630-8765

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 27, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4512 Charleston Dr was $3,848 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		$331,055 (+2%) Land $121,958 Building $209,097
2025	$3,848.00 (+2.18%) Homeowner's exemption	$324,565 Land $119,567 Building $204,998
2024	$3,766.00 (+1.67%)
2023	$3,704.00 (+2.07%) Homeowner's exemption	$311,964 Land $114,925 Building $197,039
2022	$3,629.00

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

Flood

FEMA maps place 4512 Charleston Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1986.

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	6 in force
Nearby Flood Claims	1 (1986)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 1986 · Severe Storms & 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

The area around 4512 Charleston Dr 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 595 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 DSL · Fiber in parts of the area	100 / 20

May also be available: Succeed.Net.

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