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4909 Cottage Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 4909 Cottage Way, Carmichael, CA 95608 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 3,697 sqft · built 1980
Lot Size0.886 acres (38,610 sqft)
OwnerCompany Name on File
Last Sale$810,000 (Jul 2025)
Tax Bill$3,786 (2025)
Deeds & MortgagesDec 2025 Transfer
Jan 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN282-0340-045-0000

Property Details

APN / Parcel Number

Primary APN282-0340-045-0000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories1 Story
Building Area3,697 sqft Living Area
1st Floor Area2,506 sqft

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 1980
Architectural StyleCustom Design
Exterior MaterialStucco
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area38,610 sqft (0.886 acres)
Garage Area576 sqft
Parking Spaces2 Parking Spaces
Pool TypeSpa / Hot Tub (No Pool)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address4909 COTTAGE WAY
CityCARMICHAEL
StateCA
Zip95608-5410
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPOR TR 44 GREENWOOD DES AS BEG AT PT ON S LINE SD TR S 89%W 991.12 FT FR INTERSEC OF C/L OF COUNTY RDS ON E & S TH ALG S LINE
Legal SubdivisionGREENWOOD
Legal Tract44
Legal Lot Number44
JurisdictionSACRAMENTO CA
Township / Civil DivisionSACRAMENTO
Census Block Group2
Census Block2012
Census Tract5801

Owner

Source: Sacramento County records · APN 282-0340-045-0000

Assessment roll updated July 22, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing Address2323 LEXINGTON ST, SACRAMENTO, CA 95815-3215
Owner TypeCompany
VestingLimited Liability Partnership

Deeds, Mortgages & Sale History

DateDocument
Dec 10, 2025Quit Claim Deed, Transfer
Quitclaim
Jan 14, 2021Deed of Trust, Mortgage · Conventional Mortgage
GOLDEN 1 CU

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 18, 2025 · Amount on Record
Deed SaleJul 18, 2025 · Amount on Record
Deed Book / Page20250718 / 986
Prior Transfer DateNov 21, 2012
Prior Transfer Doc0000001514
Record UpdatedSep 20, 2026

December 2025: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSACRAMENTO CA
Recording DateDec 10, 2025
Property Address4909 COTTAGE WAY, CARMICHAEL, CA 95608-5410
Document Number0000001901
Map ReferenceMB 15 MAP 10
Instrument DateOct 17, 2025
Instrument202512101901
Transaction TypeTransfer
Record UpdatedDec 29, 2025

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2323 LEXINGTON ST, SACRAMENTO, CA 95815-3215

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSACRAMENTO CA
Property Address4909 COTTAGE WAY, CARMICHAEL, CA 95608-5410
Document Number2101211514
Instrument DateJan 14, 2021
Transaction TypeMortgage
Record UpdatedFeb 08, 2021
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address4909 COTTAGE WAY CARMICHAEL CA 956085410, CARMICHAEL, CA 95608-5410

Mortgage

Document Number2101211514
DateJan 21, 2021
Instrument2101211514
Lender
NameGOLDEN 1 CU
TypeCredit Union
AddressSACRAMENTO, CA 95826
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJan 20, 2036

Tax Assessment & Valuation

Source: Sacramento County records · Assessment roll updated July 22, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySacramento County
Unified School DistrictSan Juan Unified School District (KG - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed Value
2026$810,000 (+154.09%) Land $243,000 Building $567,000
2025$3,786.00 (+1.01%) Homeowner's exemption$318,787 (+4.04%) Land $58,817 Building $259,970
2024$3,748.00 (+2.6%)
2023$3,653.00 (+0.61%) Homeowner's exemption$306,410 Land $56,534 Building $249,876
2022$3,631.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Sacramento County (06067C), updated September 29, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060670058012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 26 individual NFIP policies nearby
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies26 in force
Nearby Flood Claims3 (1986–2020)
Claims Outside the SFHA1 of 3
Most Recent ClaimMay 2020, other causes

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 532 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 2,000
Consolidated CommunicationsFiber2,000 / 2,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TDSL100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: AT&T, Succeed.Net, California Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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