4740 American River Dr, Carmichael, CA 95608 Property Records

Sacramento County property record for 4740 American River Dr, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,809 sqft · built 1969
Lot Size	0.3 acres (13,068 sqft)
Owner	Company Name on Record
Last Sale	$494,500 (May 2012)
Tax Bill	$8,606 (2025)
Deeds & Mortgages	Nov 2020 Transfer Nov 2020 Mortgage + 4 more
Flood Zone	Zone X (reduced by levee)
APN	`292-0405-006-0000`

Property Details

APN / Parcel Number

Primary APN	`292-0405-006-0000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,809 sqft Living Area
Gross Area	3,304 sqft
1st Floor Area	2,709 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	13,068 sqft (0.3 acres)
Garage Area	1,047 sqft
Parking Spaces	4 Parking Spaces
Pool Area	9,000 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4740 AMERICAN RIVER DR
City	CARMICHAEL
State	CA
Zip	95608-6256
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-4
Legal Description	DEL DAYO ESTATES 14, LOT 75
Legal Subdivision	DEL DAYO ESTATES 14
Legal Lot Number	75
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	3
Census Block	3000
Census Tract	5803

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	Company Name on Record
Mailing Address	4740 AMERICAN RIVER DR, CARMICHAEL, CA 95608-6256
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2020	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Nov 6, 2020	Quit Claim Deed, Transfer FAIRWAY INDEPENDENT MTG
Nov 16, 2018	Deed of Trust, Mortgage LUTHER BURBANK SVGS
May 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage CITY NAT'L BK
Jan 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MTG
Jul 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage MB FIN'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2012 · Amount on Record
Deed Sale	May 30, 2012 · Amount on Record
Prior Sale	Oct 27, 2004 · Amount on Record
Deed Book / Page	20120530 / 1725
Last Transfer Date	Nov 2, 2020
Transfer Doc	11060000001207
Record Updated	Oct 29, 2026

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 6, 2020
Property Address	4740 AMERICAN RIVER DR, CARMICHAEL, CA 95608-6256
Document Number	2011061209
Instrument Date	Nov 2, 2020
Instrument	2011061209
Transaction Type	Transfer
Record Updated	Nov 19, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4740 AMERICAN RIVER DR CARMICHAEL CA 956086256, CARMICHAEL, CA 95608-6256

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 6, 2020
Property Address	4740 AMERICAN RIVER DR, CARMICHAEL, CA 95608-6256
Document Number	2011061207
Instrument Date	Nov 2, 2020
Instrument	2011061207
Transaction Type	Transfer
Record Updated	Nov 19, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4740 AMERICAN RIVER DR CARMICHAEL CA 956086256, CARMICHAEL, CA 95608-6256

Mortgage

Document Number	2011061208
Date	Nov 6, 2020
Instrument	2011061208

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2050

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4740 AMERICAN RIVER DR, CARMICHAEL, CA 95608-6256
Document Number	1811270072
Instrument Date	Nov 16, 2018
Transaction Type	Mortgage
Record Updated	Dec 11, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4740 AMERICAN RIVER DR CARMICHAEL CA 956086256, CARMICHAEL, CA 95608-6256

Mortgage

Document Number	1811270072
Date	Nov 27, 2018
Instrument	1811270072

Lender

Name	LUTHER BURBANK SVGS
Type	Funding / Finance Company
Address	SANTA ROSA, CA 95401

Agreement

Amount	Amount Recorded
Term	480 Months
Due	Nov 26, 2058

Interest

Rate Type	Adjustable Rate
Rate	5.87%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4740 AMERICAN RIVER DR, CARMICHAEL, CA 95608-6256
Document Number	1805240044
Instrument Date	May 11, 2018
Transaction Type	Mortgage
Record Updated	Jun 11, 2018
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4740 AMERICAN RIVER DR CARMICHAEL CA 956086256, CARMICHAEL, CA 95608-6256

Mortgage

Document Number	1805240044
Date	May 24, 2018
Instrument	1805240044

Lender

Name	CITY NAT'L BK
Type	Bank
Address	LOS ANGELES, CA 90071

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4740 AMERICAN RIVER DR, CARMICHAEL, CA 95608-6256
Document Number	1801300193
Instrument Date	Jan 21, 2018
Transaction Type	Mortgage
Record Updated	Feb 7, 2018
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4740 AMERICAN RIVER DR CARMICHAEL CA 956086256, CARMICHAEL, CA 95608-6256

Mortgage

Document Number	1801300193
Date	Jan 30, 2018
Instrument	1801300193

Lender

Name	SIERRA PACIFIC MTG
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 29, 2048

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4740 AMERICAN RIVER DR, CARMICHAEL, CA 95608-6256
Document Number	1707250057
Instrument Date	Jul 15, 2017
Transaction Type	Mortgage
Record Updated	Aug 3, 2017
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4740 AMERICAN RIVER DR CARMICHAEL CA 956086256, CARMICHAEL, CA 95608-6256

Mortgage

Document Number	1707250057
Date	Jul 25, 2017
Instrument	1707250057

Lender

Name	MB FIN'L BK
Type	Bank
Address	ANN ARBOR, MI 48105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 2047

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		$716,458 (+2%) Land $470,824 Building $245,634
2025	$8,606.00 (+0.95%)	$702,411 (+4.04%) Land $461,593 Building $240,818
2024	$8,525.00 (+2.55%)
2023	$8,313.00 (+0.54%)	$675,138 Land $443,670 Building $231,468
2022	$8,268.00

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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