4905 Olive Oak Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 4905 Olive Oak Way, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,647 sqft · built 1975
Lot Size	0.16 acres (6,970 sqft)
Owner	Company Name on Record
Last Sale	$310,000 (May 2012)
Tax Bill	$4,625 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`282-0350-040-0000`

Property Details

APN / Parcel Number

Primary APN	`282-0350-040-0000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,647 sqft Living Area
1st Floor Area	1,485 sqft
2nd Floor Area	1,162 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	H-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	6,970 sqft (0.16 acres)
Garage Area	464 sqft
Parking Spaces	2 Parking Spaces
Pool Area	12,000 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4905 OLIVE OAK WAY
City	CARMICHAEL
State	CA
Zip	95608-5636
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	MADDOX RANCH 01, LOT 28
Legal Subdivision	MADDOX RANCH 01
Legal Lot Number	28
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	4
Census Block	4013
Census Tract	5801

Owner

Source: Sacramento County records, as of July 22, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	4905 OLIVE OAK WAY, CARMICHAEL, CA 95608-5636
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Sep 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE HM MTG
Oct 25, 2019	Deed of Trust, Mortgage · Conventional with PMI CITIZENS BK NA
May 25, 2019	Deed of Trust, Mortgage · Conventional with PMI CITIZENS BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2012 · Amount on Record
Deed Sale	May 21, 2012 · Amount on Record
Deed Book / Page	20120521 / 1281
Prior Transfer Date	Aug 4, 2007
Prior Transfer Doc	0000001167
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4905 OLIVE OAK WAY, CARMICHAEL, CA 95608-5636
Transaction Type	Mortgage
Record Updated	Oct 8, 2021
Title Company	LANDSAFE TITLE/FL, LANDSAFE TITLE CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4905 OLIVE OAK WAY, CARMICHAEL, CA 95608-5636

Mortgage

Document Number	2021092901178
Date	Sep 29, 2021
Instrument	2021092901178

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4905 OLIVE OAK WAY, CARMICHAEL, CA 95608-5636
Document Number	2009151739
Instrument Date	Sep 8, 2020
Transaction Type	Mortgage
Record Updated	Oct 5, 2020
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	4905 OLIVE OAK WAY CARMICHAEL CA 956085636, CARMICHAEL, CA 95608-5636

Mortgage

Document Number	2009151739
Date	Sep 15, 2020
Instrument	2009151739

Lender

Name	COMMERCE HM MTG
Address	IRVINE, CA 92606

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 14, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4905 OLIVE OAK WAY, CARMICHAEL, CA 95608-5636
Document Number	1910301514
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Nov 13, 2019
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	4905 OLIVE OAK WAY CARMICHAEL CA 956085636, CARMICHAEL, CA 95608-5636

Mortgage

Document Number	1910301514
Date	Oct 30, 2019
Instrument	1910301514

Lender

Name	CITIZENS BK NA
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 29, 2049

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4905 OLIVE OAK WAY, CARMICHAEL, CA 95608-5636
Document Number	1905310755
Instrument Date	May 25, 2019
Transaction Type	Mortgage
Record Updated	Jun 12, 2019
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	4905 CLIVE OAK WAY CARMICHAEL CA 95608, CARMICHAEL, CA 95608

Mortgage

Document Number	1905310755
Date	May 31, 2019
Instrument	1905310755

Lender

Name	CITIZENS BK NA
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 30, 2049

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		$397,152 (+2%) Land $204,983 Building $192,169
2025	$4,625.00 (+0.98%) Homeowner's exemption	$389,365 (+4.04%) Land $200,964 Building $188,401
2024	$4,580.00 (+2.62%)
2023	$4,463.00 (+0.59%) Homeowner's exemption	$374,247 Land $193,161 Building $181,086
2022	$4,437.00

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 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	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 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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