4720 Cottage Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 4720 Cottage Way, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,671 sqft · built 1970
Lot Size	0.242 acres (10,530 sqft)
Owner	2 Company Names on Record
Last Sale	$411,500 (May 2018)
Tax Bill	$5,637 (2025)
Deeds & Mortgages	Jan 2020 Mortgage May 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`282-0301-003-0000`

Property Details

APN / Parcel Number

Primary APN	`282-0301-003-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,671 sqft Living Area
1st Floor Area	1,463 sqft
2nd Floor Area	208 sqft
Bonus Room	Bonus Room
Utility Room	Utility Room

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	10,530 sqft (0.242 acres)
Garage Area	290 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4720 COTTAGE WAY
City	CARMICHAEL
State	CA
Zip	95608-5611
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	RANCHO SAN LUCAS, LOT 2
Legal Subdivision	RANCHO SAN LUCAS
Legal Lot Number	2
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	4
Census Block	4005
Census Tract	5801

Owner

Source: Sacramento County records, 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	2 Company Names on Record
Mailing Address	4720 COTTAGE WAY, CARMICHAEL, CA 95608-5611
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
May 18, 2018	Grant Deed, Transfer · Conventional with PMI UNITED WHOLESALE MTG
Mar 6, 2017	Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2018 · Amount on Record
Deed Sale	May 18, 2018 · Amount on Record
Prior Sale	Mar 6, 2017 · Amount on Record
Deed Book / Page	20180518 / 767
Prior Transfer Date	Oct 15, 2014
Prior Transfer Doc	0000000293
Record Updated	Sep 20, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4720 COTTAGE WAY, CARMICHAEL, CA 95608-5611
Document Number	2001311458
Instrument Date	Jan 27, 2020
Transaction Type	Mortgage
Record Updated	Feb 19, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4720 COTTAGE WAY CARMICHAEL CA 956085611, CARMICHAEL, CA 95608-5611

Mortgage

Document Number	2001311458
Date	Jan 31, 2020
Instrument	2001311458

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jan 30, 2035

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 18, 2018
Property Address	4720 COTTAGE WAY, CARMICHAEL, CA 95608-5611
Document Number	1805180767
Instrument Date	May 16, 2018
Instrument	1805180767
Transaction Type	Transfer
Record Updated	Jun 4, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$452.65
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4720 COTTAGE WAY CARMICHAEL CA 956085611, CARMICHAEL, CA 95608-5611

Mortgage

Document Number	1805180768
Date	May 18, 2018
Instrument	1805180768

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 17, 2048

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 6, 2017
Property Address	4720 COTTAGE WAY, CARMICHAEL, CA 95608-5611
Document Number	0000001053
Book / Page	170306 / 001053
Instrument Date	Mar 1, 2017
Transaction Type	Transfer
Record Updated	Mar 23, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Tax	$231.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	7639 ROMAN OAK WAY SACRAMENTO CA 958314435, SACRAMENTO, CA 95831-4435

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		$477,111 (+2%) Land $162,479 Building $314,632
2025	$5,637.00 (+0.97%)	$467,757 (+4.04%) Land $159,294 Building $308,463
2024	$5,583.00 (+2.59%)
2023	$5,442.00 (+0.54%)	$449,595 Land $153,109 Building $296,486
2022	$5,413.00

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	2 in force
Nearby Flood Claims	2 (1997)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jan 1997 · Severe Storms, Flooding, Mud And Landslides
Claims by Event	Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 532 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, Succeed.Net.

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