4912 Secluded Oaks Ln, Carmichael, CA 95608 Property Records

Sacramento County property record for 4912 Secluded Oaks Ln, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,040 sqft · built 2003
Lot Size	0.561 acres (24,440 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,265,000 (Jul 2025)
Tax Bill	$15,048 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Oct 2023 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`236-0370-002-0000`

Property Details

APN / Parcel Number

Primary APN	`236-0370-002-0000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,040 sqft Living Area
1st Floor Area	2,947 sqft
2nd Floor Area	1,093 sqft
Bonus Room	Bonus Room
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	H-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	24,440 sqft (0.561 acres)
Garage Area	776 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4912 SECLUDED OAKS LN
City	CARMICHAEL
State	CA
Zip	95608-0887
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-2
Legal Description	BLUE OAK ESTATES, LOT 2
Legal Subdivision	BLUE OAK ESTATES
Legal Lot Number	2
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	4
Census Block	4003
Census Tract	7903

Owner

Source: Sacramento County records, as of September 3, 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	4912 SECLUDED OAKS LN, CARMICHAEL, CA 95608-0887
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 4, 2023	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Apr 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage HEMET MORTGAGE
May 3, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 2, 2017	Grant Deed, Transfer · VA Mortgage HOMEDIRECT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2025 · Amount on Record
Deed Sale	Jul 15, 2025 · Amount on Record
Prior Sale	Oct 2, 2017 · Amount on Record
Deed Book / Page	20250715 / 424
Prior Transfer Date	Apr 19, 2018
Prior Transfer Doc	5030000000599
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4912 SECLUDED OAKS LN, CARMICHAEL, CA 95608-0887
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4912 SECLUDED OAKS LN, CARMICHAEL, CA 95608-0887

Mortgage

Document Number	0000001025
Date	Sep 14, 2021
Instrument	2021091401025

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	315 Months
Due	Dec 1, 2047

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	4912 SECLUDED OAKS LN, CARMICHAEL, CA 95608-0887
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4912 SECLUDED OAKS LN, CARMICHAEL, CA 95608-0887

Mortgage

Document Number	0000000406
Date	Oct 4, 2023
Instrument	202310040406

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 28, 2026
Property Address	4912 SECLUDED OAKS LN, CARMICHAEL, CA 95608-0887
Document Number	2026000919
Book / Page	20260428 / 919
Instrument Date	Apr 23, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	4912 SECLUDED OAKS LN, CARMICHAEL, CA 95608-0887

Mortgage

Document Number	2026000919,
Date	Apr 28, 2026
Book Page	20260428/919

Lender

Name	HEMET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 3, 2018
Property Address	4912 SECLUDED OAKS LN, CARMICHAEL, CA 95608-0887
Document Number	1805030599
Instrument Date	Apr 19, 2018
Instrument	1805030599
Transaction Type	Transfer
Record Updated	May 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4912 SECLUDED OAKS LN CARMICHAEL CA 956080887, CARMICHAEL, CA 95608-0887

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 2, 2017
Property Address	4912 SECLUDED OAKS LN, CARMICHAEL, CA 95608-0887
Document Number	1710021526
Instrument Date	Oct 2, 2017
Instrument	1710021526
Transaction Type	Transfer
Record Updated	Oct 10, 2017
Title Company	STEWART TITLE, STEWART TITLE/SACRAMENTO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,210.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4912 SECLUDED OAKS LN CARMICHAEL CA 956080887, CARMICHAEL, CA 95608-0887

Mortgage

Document Number	1710021527
Date	Oct 2, 2017
Instrument	1710021527

Lender

Name	HOMEDIRECT MTG
Address	TULSA, OK 74153

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 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		$1,265,000 (+1.07%) Land $446,545 Building $818,455
2025	$15,048.00 (+2.17%)	$1,251,607 (+4.04%) Land $441,817 Building $809,790
2024	$14,729.00 (+1.67%)
2023	$14,487.00 (+2.06%) Homeowner's exemption	$1,203,007 Land $424,661 Building $778,346
2022	$14,195.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2001)
Most Recent Claim	Dec 2001 · rainfall accumulation

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 95% of the US · lower than 97% 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 593 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Cal.net, GeoLinks, Succeed.Net.

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