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4651 Ladera Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 4651 Ladera Way, Carmichael, CA 95608 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,386 sqft · built 1972
Lot Size0.314 acres (13,670 sqft)
Owner2 Individual Names on File
Last Sale$491,000 (Mar 2021)
Tax Bill$7,003 (2025)
Deeds & MortgagesJan 2022 Mortgage
Mar 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN247-0081-027-0000

Property Details

APN / Parcel Number

Primary APN247-0081-027-0000

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories1 Story
Building Area2,386 sqft Living Area
1st Floor Area2,386 sqft
Family RoomFamily Room
Utility RoomUtility Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1972
Effective Year BuiltEffective 1972
Architectural StyleCustom Design
Construction TypeWood
Roof MaterialOther
Lot Area13,670 sqft (0.314 acres)
Garage Area616 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address4651 LADERA WAY
CityCARMICHAEL
StateCA
Zip95608-1573
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionRANCHO DE LOS OLIVOS 04, LOT 145
Legal SubdivisionRANCHO DE LOS OLIVOS 04
Legal Lot Number145
JurisdictionSACRAMENTO CA
Township / Civil DivisionSACRAMENTO
Census Block Group1
Census Block1004
Census Tract7905

Owner

Source: Sacramento County records · APN 247-0081-027-0000

Assessment roll updated July 22, 2026 · Last verified July 2026

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

Owner of Record2 Individual Names on File
Mailing Address4651 LADERA WAY, CARMICHAEL, CA 95608-1573
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Jan 27, 2022Deed of Trust, Mortgage · Conventional Mortgage
OPTIMUM FIRST INC
Mar 04, 2021Grant Deed, Transfer · Conventional Mortgage
OPTIMUM FIRST INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 04, 2021 · Amount on Record
Deed SaleMar 04, 2021 · Amount on Record
Deed Book / Page20210304 / 722
Prior Transfer DateMar 03, 2008
Prior Transfer Doc0000001105
Record UpdatedSep 20, 2026

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSACRAMENTO CA
Property Address4651 LADERA WAY, CARMICHAEL, CA 95608-1573
Transaction TypeMortgage
Record UpdatedMay 15, 2026
Title CompanyWFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address4651 LADERA WAY, CARMICHAEL, CA 95608-1573

Mortgage

Document Number0000000787
DateJan 27, 2022
Instrument2022012700787
Lender
NameOPTIMUM FIRST INC
TypeMortgage Company
AddressFOUNTAIN VALLEY, CA 92708
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2052

March 2021: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSACRAMENTO CA
Recording DateMar 04, 2021
Property Address4651 LADERA WAY, CARMICHAEL, CA 95608-1573
Document Number0000000722
Map ReferenceMB 89 PG 2
Instrument DateFeb 24, 2021
Instrument202103040722
Transaction TypeTransfer
Record UpdatedMay 15, 2026
Title CompanyORANGE COAST TITLE COMPANY, ORANGE COAST TTL CO OF NOCAL

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address1469 S NAVAJO ST, SALT LAKE CITY, UT 84104-3440

Mortgage

Document Number0000000723
DateMar 04, 2021
Instrument202103040723
Lender
NameOPTIMUM FIRST INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2051

Tax Assessment & Valuation

Source: Sacramento County records · Assessment roll updated July 22, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySacramento County
Unified School DistrictSan Juan Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2026$588,919 (+2%) Land $165,611 Building $423,308
2025$7,003.00 (+3.98%)$577,372 (+13.02%) Land $162,364 Building $415,008
2024$6,735.00 (+8.4%)
2023$6,213.00 (+2.04%)$510,836 Land $156,060 Building $354,776
2022$6,089.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Sacramento County (06067C), updated September 29, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060670079051, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies4 in force
Nearby Flood Claims2 (1995–1998)
Claims Outside the SFHA2 of 2
Most Recent ClaimMar 1998, rainfall accumulation, Severe Winter Storms And Flooding

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 595 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 2,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TDSL100 / 20

May also be available at this address: AT&T, Succeed.Net. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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