4882 American River Dr, Carmichael, CA 95608 Property Records

Sacramento County property record for 4882 American River Dr, Carmichael, CA 95608

Property Summary

Property Type	Planned Unit Development
Details	3 bd · 2 ba · 1,924 sqft · built 1984
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$775,000 (Nov 2023)
Tax Bill	$5,736 (2025)
Deeds & Mortgages	May 2021 Mortgage Nov 2023 Sale + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`292-0500-059-0000`

Property Details

APN / Parcel Number

Primary APN	`292-0500-059-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,924 sqft Living Area
1st Floor Area	1,878 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	9,583 sqft (0.22 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Pool Area	11,440 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4882 AMERICAN RIVER DR
City	CARMICHAEL
State	CA
Zip	95608-6275
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Local Zoning Code	RD-4
Legal Description	WELLINGTON ESTATES 03 RESUB, LOT 5
Legal Subdivision	WELLINGTON ESTATES 03 RESUB
Legal Lot Number	5
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	2
Census Block	2010
Census Tract	5804

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 Individual Names on Record
Mailing Address	4882 AMERICAN RIVER DR, CARMICHAEL, CA 95608-6275
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
May 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Nov 8, 2023	Grant Deed, Transfer PLACER TITLE COMPANY
May 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2023 · Amount on Record
Deed Sale	Nov 8, 2023 · Amount on Record
Prior Sale	Dec 26, 2012 · Amount on Record
Deed Book / Page	20231108 / 676
Prior Transfer Date	Nov 2, 2023
Prior Transfer Doc	2023000675
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4882 AMERICAN RIVER DR, CARMICHAEL, CA 95608-6275
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4882 AMERICAN RIVER DR, CARMICHAEL, CA 95608-6275

Mortgage

Document Number	0000001145
Date	May 4, 2021
Instrument	202105041145

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

November 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 8, 2023
Property Address	4882 AMERICAN RIVER DR, CARMICHAEL, CA 95608-6275
Document Number	0000000676
Map Reference	MB 155 MAP 2
Instrument Date	Nov 3, 2023
Instrument	202311080676
Transaction Type	Transfer
Record Updated	Dec 4, 2023
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Community Property with Right of Survivorship
Address	4882 AMERICAN RIVER DR, CARMICHAEL, CA 95608-6275

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4882 AMERICAN RIVER DR, CARMICHAEL, CA 95608-6275
Transaction Type	Mortgage
Record Updated	May 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4882 AMERICAN RIVER DR, CARMICHAEL, CA 95608-6275

Mortgage

Document Number	5040000001145
Date	May 4, 2021
Book Page	20210504/1145

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

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		$652,587 (+2%) Land $217,526 Building $435,061
2025	$5,736.00 (+0.51%)	$639,792 (+10.88%) Land $213,261 Building $426,531
2024	$5,707.00 (-18.63%)
2023	$7,014.00 (+0.56%) Homeowner's exemption	$577,000 Land $244,055 Building $332,945
2022	$6,975.00

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 106 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	106 in force
Nearby Flood Claims	9 (1993–2026)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Apr 2026 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 3 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	Indirect 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	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 516 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 DSL · Fiber in parts of the area	100 / 20

May also be available: Succeed.Net.

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