4605 Ladera Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 4605 Ladera Way, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,981 sqft · built 1973
Lot Size	0.189 acres (8,250 sqft)
Owner	Company Name on File
Last Sale	$540,000 (Nov 2025)
Tax Bill	$2,336 (2025)
Deeds & Mortgages	Nov 2025 Sale Nov 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`247-0095-005-0000`

Property Details

APN / Parcel Number

Primary APN	`247-0095-005-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,981 sqft Living Area
1st Floor Area	1,981 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Custom Design
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Other
Lot Area	8,250 sqft (0.189 acres)
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4605 LADERA WAY
City	CARMICHAEL
State	CA
Zip	95608-1507
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	RANCHO DE LOS OLIVOS 04, LOT 135
Legal Subdivision	RANCHO DE LOS OLIVOS 04
Legal Lot Number	135
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1005
Census Tract	7905

Owner

Source: Sacramento County assessment roll, as of July 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	610 FULTON AVE, 100, SACRAMENTO, CA 95825-4867
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2025	Grant Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Nov 30, 2017	Deed of Trust, Mortgage FEDERAL HOUSING COMMISSIONER
Nov 30, 2017	Deed of Trust, Mortgage · FHA Mortgage AMERICAN PACIFIC MTG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 18, 2025 · Amount on Record
Deed Sale	Nov 18, 2025 · Amount on Record
Deed Book / Page	20251118 / 4
Prior Transfer Date	Sep 3, 2010
Prior Transfer Doc	0000001004
Record Updated	Sep 20, 2026

November 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 18, 2025
Property Address	4605 LADERA WAY, CARMICHAEL, CA 95608-1507
Document Number	0000000004
Map Reference	MB 89 MAP 2
Instrument Date	Nov 14, 2025
Instrument	202511180004
Transaction Type	Transfer
Record Updated	Dec 3, 2025
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 FULTON AVE STE 100, 100, SACRAMENTO, CA 95825-4867

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4605 LADERA WAY, CARMICHAEL, CA 95608-1507
Document Number	1712051519
Instrument Date	Nov 30, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4605 LADERA WAY CARMICHAEL CA 956081507, CARMICHAEL, CA 95608-1507

Mortgage

Document Number	1712051519
Date	Dec 5, 2017
Instrument	1712051519

Lender

Name	FEDERAL HOUSING COMMISSIONER
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.81%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4605 LADERA WAY, CARMICHAEL, CA 95608-1507
Document Number	1712051518
Instrument Date	Nov 30, 2017
Transaction Type	Mortgage
Record Updated	Dec 12, 2017
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4605 LADERA WAY CARMICHAEL CA 956081507, CARMICHAEL, CA 95608-1507

Mortgage

Document Number	1712051518
Date	Dec 5, 2017
Instrument	1712051518

Lender

Name	AMERICAN PACIFIC MTG
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.81%

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		$540,000 (+172.55%) Land $150,000 Building $390,000
2025	$2,336.00 (+2.19%) Homeowner's exemption	$198,132 (+4.04%) Land $54,329 Building $143,803
2024	$2,286.00 (+1.69%)
2023	$2,248.00 (+2.09%) Homeowner's exemption	$190,440 Land $52,220 Building $138,220
2022	$2,202.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 94% of the US · lower than 96% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 USA 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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