4729 Cottage Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 4729 Cottage Way, Carmichael, CA 95608

Property Summary

Property Type	Duplex
Details	5 bd · 4 ba · 2,560 sqft · built 1976
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on Record
Last Sale	$545,000 (Jun 2023)
Tax Bill	$6,721 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`282-0141-012-0000`

Property Details

APN / Parcel Number

Primary APN	`282-0141-012-0000`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,560 sqft Living Area
1st Floor Area	2,560 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	20,909 sqft (0.48 acres)
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Solar

Location & Zoning

Street Address	4729 COTTAGE WAY
City	CARMICHAEL
State	CA
Zip	95608-5610
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RD-5
Legal Description	E 100 FT OF W 451.69 FT OF S 240 FT TRACT 44 GREENWOOD
Legal Subdivision	GREENWOOD
Legal Tract	44
Legal Lot Number	44
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	2
Census Block	2011
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	Individual Name on Record
Mailing Address	4729 COTTAGE WAY, CARMICHAEL, CA 95608-5610
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage GOLDEN BAY MORTGAGE GROUP
Jun 30, 2023	Grant Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2023 · Amount on Record
Deed Sale	Jun 30, 2023 · Amount on Record
Deed Book / Page	20230630 / 336
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4729 COTTAGE WAY, CARMICHAEL, CA 95608-5610
Transaction Type	Mortgage
Record Updated	Oct 8, 2025
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4727-4729 COTTAGE WAY, 4729, CARMICHAEL, CA 95608-5610

Mortgage

Document Number	0000000723
Date	Sep 29, 2025
Instrument	202509290723

Lender

Name	GOLDEN BAY MORTGAGE GROUP
Address	SACRAMENTO, CA 95834

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Oct 1, 2053

June 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 30, 2023
Property Address	4729 COTTAGE WAY, CARMICHAEL, CA 95608-5610
Document Number	0000000336
Map Reference	MB 15 MAP 10
Instrument Date	Jun 27, 2023
Instrument	202306300336
Transaction Type	Transfer
Record Updated	Jul 13, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Relationship	Joint Tenants
Address	4727 COTTAGE WAY # 4729, 4729, CARMICHAEL, CA 95608-5610

Mortgage

Document Number	0000000337
Date	Jun 30, 2023
Instrument	202306300337

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

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		$578,356 (+2%) Land $241,753 Building $336,603
2025	$6,721.00 (+124.63%) Homeowner's exemption	$567,016 (+131.33%) Land $237,013 Building $330,003
2023	$2,992.00 (+0.54%)	$245,116 (+2%) Land $102,556 Building $142,560
2022	$2,976.00	$240,311 Land $100,546 Building $139,765

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
Flood Insurance Cost	Premium on Record median of 26 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	26 in force
Nearby Flood Claims	3 (1986–2020)
Claims Outside the SFHA	1 of 3
Most Recent Claim	May 2020 · other causes

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	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 474 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Fidium Fiber Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Succeed.Net.

Nearby Properties on Cottage Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures