4903 Cypress Ave, Carmichael, CA 95608 Property Records

Sacramento County property record for 4903 Cypress Ave, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,642 sqft · built 1956
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Sep 2017)
Tax Bill	$5,136 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Feb 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`240-0320-083-0000`

Property Details

APN / Parcel Number

Primary APN	`240-0320-083-0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,642 sqft Living Area
1st Floor Area	1,642 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	H-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	20,909 sqft (0.48 acres)
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4903 CYPRESS AVE
City	CARMICHAEL
State	CA
Zip	95608-1621
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	PARCEL MAP, LOT 1
Legal Subdivision	PARCEL MAP
Legal Lot Number	1
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	4
Census Block	4005
Census Tract	5901

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	4903 CYPRESS AVE, CARMICHAEL, CA 95608-1621
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2021	Deed of Trust, Mortgage · Line of Credit BANNER BANK
Feb 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Jul 2, 2021	Deed of Trust, Mortgage · Line of Credit BANNER BANK
Feb 2, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Dec 4, 2020	Deed of Trust, Mortgage · Line of Credit BANNER BK
Oct 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Sep 14, 2017	Grant Deed, Transfer · Conventional Mortgage CHERRY CREEK MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2017 · Amount on Record
Deed Sale	Sep 14, 2017 · Amount on Record
Deed Book / Page	20170914 / 215
Last Transfer Date	Jan 28, 2021
Transfer Doc	2020000002183
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4903 CYPRESS AVE, CARMICHAEL, CA 95608-1621
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4903 CYPRESS AVE, CARMICHAEL, CA 95608-1621

Mortgage

Document Number	0000000429
Date	Jul 2, 2021
Instrument	202107020429

Lender

Name	BANNER BANK
Type	Bank
Address	SACRAMENTO, CA 95825

Agreement

Type	Line of Credit
Amount	Amount Recorded

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4903 CYPRESS AVE, CARMICHAEL, CA 95608-1621
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4903 CYPRESS AVE, CARMICHAEL, CA 95608-1621

Mortgage

Document Number	0000000801
Date	Feb 22, 2022
Instrument	2022022200801

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4903 CYPRESS AVE, CARMICHAEL, CA 95608-1621
Transaction Type	Mortgage
Record Updated	Jul 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4903 CYPRESS AVE, CARMICHAEL, CA 95608-1621

Mortgage

Document Number	7020000000429
Date	Jul 2, 2021
Book Page	20210702/429

Lender

Name	BANNER BANK
Type	Bank
Address	SACRAMENTO, CA 95825

Agreement

Type	Line of Credit
Amount	Amount Recorded

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Feb 2, 2021
Property Address	4903 CYPRESS AVE, CARMICHAEL, CA 95608-1621
Document Number	0000002183
Map Reference	MB 76 PG 26
Instrument Date	Jan 28, 2021
Instrument	202102022183
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4903 CYPRESS AVE, CARMICHAEL, CA 95608-1621

Mortgage

Document Number	0000002184
Date	Feb 2, 2021
Instrument	202102022184

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4903 CYPRESS AVE, CARMICHAEL, CA 95608-1621
Document Number	2012160439
Instrument Date	Dec 4, 2020
Transaction Type	Mortgage
Record Updated	Dec 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4903 CYPRESS AVE CARMICHAEL CA 956081621, CARMICHAEL, CA 95608-1621

Mortgage

Document Number	2012160439
Date	Dec 16, 2020
Instrument	2012160439

Lender

Name	BANNER BK
Type	Bank
Address	SACRAMENTO, CA 95825

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4903 CYPRESS AVE, CARMICHAEL, CA 95608-1621
Document Number	1911070777
Instrument Date	Oct 31, 2019
Transaction Type	Mortgage
Record Updated	Nov 20, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4903 CYPRESS AVE CARMICHAEL CA 956081621, CARMICHAEL, CA 95608-1621

Mortgage

Document Number	1911070777
Date	Nov 7, 2019
Instrument	1911070777

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 6, 2039

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 14, 2017
Property Address	4903 CYPRESS AVE, CARMICHAEL, CA 95608-1621
Document Number	1709140215
Instrument Date	Sep 7, 2017
Instrument	1709140215
Transaction Type	Transfer
Record Updated	Sep 26, 2017
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$423.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4903 CYPRESS AVE CARMICHAEL CA 956081621, CARMICHAEL, CA 95608-1621

Mortgage

Document Number	1709140216
Date	Sep 14, 2017
Instrument	1709140216

Lender

Name	CHERRY CREEK MTG
Type	Mortgage Company
Address	GREENWOOD VILLAGE, CO 80111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 13, 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		$446,821 (+2%) Land $191,494 Building $255,327
2025	$5,136.00 (+0.98%) Homeowner's exemption	$438,061 (+4.04%) Land $187,740 Building $250,321
2024	$5,086.00 (+2.64%)
2023	$4,955.00 (+0.55%) Homeowner's exemption	$421,051 Land $180,450 Building $240,601
2022	$4,928.00

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	3 in force

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 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 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 460 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 in parts of the area	100 / 20

May also be available: GeoLinks, Succeed.Net.

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