4720 American River Dr, Carmichael, CA 95608 Property Records

Sacramento County property record for 4720 American River Dr, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,442 sqft · built 1968
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$749,000 (Aug 2018)
Tax Bill	$10,085 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit May 2020 Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`292-0406-002-0000`

Property Details

APN / Parcel Number

Primary APN	`292-0406-002-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,442 sqft Living Area
1st Floor Area	2,145 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Custom Design
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Material	Other
Lot Area	13,068 sqft (0.3 acres)
Garage Area	578 sqft
Parking Spaces	2 Parking Spaces
Pool Area	11,900 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4720 AMERICAN RIVER DR
City	CARMICHAEL
State	CA
Zip	95608-6210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-4
Legal Description	DEL DAYO ESTATES 14, LOT 77
Legal Subdivision	DEL DAYO ESTATES 14
Legal Lot Number	77
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	3
Census Block	3003
Census Tract	5803

Owner

4720 American River Dr is owned and occupied by two individuals who bought it in August 2018.

Source: Sacramento County records, as of September 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4720 AMERICAN RIVER DR, CARMICHAEL, CA 95608-6210
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
Aug 31, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
May 11, 2020	Deed of Trust, Mortgage NAVY FCU
Aug 22, 2018	Grant Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2018 · Amount on File
Deed Sale	Aug 22, 2018 · Amount on File
Deed Book / Page	20180822 / 307
Prior Transfer Date	Nov 22, 1999
Prior Transfer Doc	9912000417
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 31, 2026
Property Address	4720 AMERICAN RIVER DR, CARMICHAEL, CA 95608-6210
Document Number	2026000354
Book / Page	20260831 / 354
Instrument Date	Aug 22, 2026
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4720 AMERICAN RIVER DR, CARMICHAEL, CA 95608-6210

Mortgage

Document Number	2026000354,
Date	Aug 31, 2026
Book Page	20260831/354

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Sep 1, 2066

Interest

Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4720 AMERICAN RIVER DR, CARMICHAEL, CA 95608-6210
Document Number	2005150503
Instrument Date	May 11, 2020
Transaction Type	Mortgage
Record Updated	Jun 1, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4720 AMERICAN RIVER DR CARMICHAEL CA 956086210, CARMICHAEL, CA 95608-6210

Mortgage

Document Number	2005150503
Date	May 15, 2020
Instrument	2005150503

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount on Record
Term	180 Months
Due	May 14, 2035

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 22, 2018
Property Address	4720 AMERICAN RIVER DR, CARMICHAEL, CA 95608-6210
Document Number	1808220307
Instrument Date	Aug 13, 2018
Instrument	1808220307
Transaction Type	Transfer
Record Updated	Sep 3, 2018
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$823.90
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1264 DEL MONTE BLVD PACIFIC GROVE CA 939502038, PACIFIC GROVE, CA 93950-2038

Mortgage

Document Number	1808220308
Date	Aug 22, 2018
Instrument	1808220308

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 21, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4720 American River Dr was $10,085 with a homeowner's exemption, up 1% 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		$852,228 (+2%) Land $227,563 Building $624,665
2025	$10,085.00 (+0.96%) Homeowner's exemption	$835,518 Land $223,101 Building $612,417
2024	$9,989.00 (+2.59%)
2023	$9,737.00 (+0.56%) Homeowner's exemption	$803,076 Land $214,439 Building $588,637
2022	$9,683.00

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

Flood

FEMA maps place 4720 American River Dr in Zone X, where a levee reduces flood risk, though there have been 8 flood claims nearby since 1991.

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 97 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	97 in force
Nearby Flood Claims	8 (1991–1998)
Claims Outside the SFHA	3 of 8
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 2 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 4 claims

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

Wildfire risk around 4720 American River Dr is low, with a 0.01% annual chance of 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	SACRAMENTO SUBURBAN WATER DISTRICT serves 194,444 people · EPA ID CA3410001
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Fidium Fiber Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

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

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