4918 Cottage Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 4918 Cottage Way, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,158 sqft · built 1981
Lot Size	0.222 acres (9,653 sqft)
Owner	2 Company Names on Record
Last Sale	$506,000 (Aug 2023)
Tax Bill	$6,196 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Sep 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`282-0211-041-0000`

Property Details

APN / Parcel Number

Primary APN	`282-0211-041-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,158 sqft Living Area
1st Floor Area	1,176 sqft
2nd Floor Area	491 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Custom Design
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Material	Other
Lot Area	9,653 sqft (0.222 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4918 COTTAGE WAY
City	CARMICHAEL
State	CA
Zip	95608-5464
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	PARCEL MAP, LOT A
Legal Subdivision	PARCEL MAP
Legal Lot Number	A
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	4
Census Block	4001
Census Tract	5801

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 Company Names on Record
Mailing Address	900 7TH ST SW, 323, WASHINGTON, DC 20024-2825
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2023	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 8, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2023 · Amount on Record
Deed Sale	Aug 31, 2023 · Amount on Record
Prior Sale	Aug 14, 2012 · Amount on Record
Deed Book / Page	20230831 / 726
Prior Transfer Date	Jan 7, 1997
Prior Transfer Doc	9701000645
Record Updated	Oct 29, 2026

August 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 31, 2023
Property Address	4918 COTTAGE WAY, CARMICHAEL, CA 95608-5464
Document Number	0000000726
Map Reference	MB 59 PG 22
Instrument Date	Aug 24, 2023
Instrument	202308310726
Transaction Type	Transfer
Record Updated	Sep 13, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Address	900 7TH ST SW APT 323, 323, WASHINGTON, DC 20024-2825

Mortgage

Document Number	0000000727
Date	Aug 31, 2023
Instrument	202308310727

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 8, 2021
Property Address	4918 COTTAGE WAY, CARMICHAEL, CA 95608-5464
Document Number	0000000891
Map Reference	MB 59 PG 22
Instrument Date	Aug 30, 2021
Instrument	2021090800891
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Revocable Living Trust
Address	4000 AMERICAN RIVER DR, SACRAMENTO, CA 95864-6008

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		$526,442 (+2%) Land $109,242 Building $417,200
2025	$6,196.00 (+0.96%)	$516,120 (+3.22%) Land $107,100 Building $409,020
2024	$6,137.00 (+1.79%)
2023	$6,029.00 (+87%)	$500,000 Land $130,000 Building $370,000
2022	$3,224.00

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	Not rated no burnable land 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	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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