5020 Cottage Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 5020 Cottage Way, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,709 sqft · built 1958
Lot Size	0.232 acres (10,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$445,000 (Jan 2020)
Tax Bill	$5,779 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`282-0212-003-0000`

Property Details

APN / Parcel Number

Primary APN	`282-0212-003-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,709 sqft Living Area
1st Floor Area	1,709 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	10,098 sqft (0.232 acres)
Garage Area	436 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5020 COTTAGE WAY
City	CARMICHAEL
State	CA
Zip	95608-5413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	LINDEN GROVE, LOT 39
Legal Subdivision	LINDEN GROVE
Legal Lot Number	39
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	4
Census Block	4000
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 Individual Names on Record
Mailing Address	5020 COTTAGE WAY, CARMICHAEL, CA 95608-5413
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 14, 2020	Grant Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2020 · Amount on Record
Deed Sale	Jan 14, 2020 · Amount on Record
Deed Book / Page	20200114 / 1184
Prior Transfer Date	May 10, 2016
Prior Transfer Doc	0000000209
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5020 COTTAGE WAY, CARMICHAEL, CA 95608-5413
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5020 COTTAGE WAY, CARMICHAEL, CA 95608-5413

Mortgage

Document Number	0000000599
Date	Jan 25, 2022
Instrument	2022012500599

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Feb 1, 2051

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5020 COTTAGE WAY, CARMICHAEL, CA 95608-5413
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5020 COTTAGE WAY, CARMICHAEL, CA 95608-5413

Mortgage

Document Number	0000000341
Date	Aug 9, 2021
Instrument	202108090341

Lender

Name	ROCKET MORTGAGE LLC
Type	Non-Lending Institution
Address	DETROIT, MI 48226

Agreement

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

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5020 COTTAGE WAY, CARMICHAEL, CA 95608-5413
Transaction Type	Mortgage
Record Updated	Aug 20, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5020 COTTAGE WAY, CARMICHAEL, CA 95608-5413

Mortgage

Document Number	8090000000341
Date	Aug 9, 2021
Book Page	20210809/341

Lender

Name	ROCKET MORTGAGE LLC
Type	Non-Lending Institution
Address	DETROIT, MI 48226

Agreement

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

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jan 14, 2020
Property Address	5020 COTTAGE WAY, CARMICHAEL, CA 95608-5413
Document Number	2001141184
Instrument Date	Jan 13, 2020
Instrument	2001141184
Transaction Type	Transfer
Record Updated	Jan 28, 2020
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$489.50
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	5020 COTTAGE WAY CARMICHAEL CA 956085413, CARMICHAEL, CA 95608-5413

Mortgage

Document Number	2001141185
Date	Jan 14, 2020
Instrument	2001141185

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 13, 2050

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		$496,400 (+2%) Land $100,394 Building $396,006
2025	$5,779.00 (+1%) Homeowner's exemption	$486,668 (+4.04%) Land $98,426 Building $388,242
2024	$5,722.00 (+2.62%)
2023	$5,576.00 (+0.56%) Homeowner's exemption	$467,772 Land $94,605 Building $373,167
2022	$5,545.00

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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