5094 Tonya Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 5094 Tonya Way, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,911 sqft · built 1970
Lot Size	0.175 acres (7,630 sqft)
Owner	2 Trust Names on File
Last Sale	$435,000 (Nov 2017)
Tax Bill	$5,990 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jan 2025 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`236-0316-005-0000`

Property Details

APN / Parcel Number

Primary APN	`236-0316-005-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,911 sqft Living Area
1st Floor Area	1,031 sqft
2nd Floor Area	880 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Custom Design
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	7,630 sqft (0.175 acres)
Garage Area	457 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5094 TONYA WAY
City	CARMICHAEL
State	CA
Zip	95608-0904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	DEL CAMPO HILLS 01, LOT 17
Legal Subdivision	DEL CAMPO HILLS 01
Legal Lot Number	17
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	3
Census Block	3015
Census Tract	7903

Owner

5094 Tonya Way is owner-occupied and held in a trust since November 2017.

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

Owner of Record	2 Trust Names on File
Mailing Address	5094 TONYA WAY, CARMICHAEL, CA 95608-0904
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Living Trust

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

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 2, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SACRAMENTO CU
Aug 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG
Nov 9, 2017	Grant Deed, Transfer · Conventional Mortgage AMERICAN FIN'L NETWORK
Dec 22, 2016	Deed of Trust, Mortgage · VA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2017 · Amount on File
Deed Sale	Nov 9, 2017 · Amount on File
Prior Sale	Nov 21, 2014 · Amount on File
Deed Book / Page	20171109 / 1211
Prior Transfer Date	May 19, 2000
Prior Transfer Doc	2000001263
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5094 TONYA WAY, CARMICHAEL, CA 95608-0904
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5094 TONYA WAY, CARMICHAEL, CA 95608-0904
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001157
Date	Aug 9, 2021
Instrument	202108091157

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5094 TONYA WAY, CARMICHAEL, CA 95608-0904
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5094 TONYA WAY, CARMICHAEL, CA 95608-0904

Mortgage

Document Number	0000000196
Date	Jan 2, 2025
Instrument	202501020196

Lender

Name	SACRAMENTO CU
Type	Credit Union
Address	SACRAMENTO, CA 95812

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 13, 2040

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5094 TONYA WAY, CARMICHAEL, CA 95608-0904
Transaction Type	Mortgage
Record Updated	Aug 20, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5094 TONYA WAY, CARMICHAEL, CA 95608-0904

Mortgage

Document Number	8090000001157
Date	Aug 9, 2021
Book Page	20210809/1157

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5094 TONYA WAY, CARMICHAEL, CA 95608-0904
Document Number	2006031077
Instrument Date	May 29, 2020
Transaction Type	Mortgage
Record Updated	Jun 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5094 TONYA WAY CARMICHAEL CA 956080904, CARMICHAEL, CA 95608-0904

Mortgage

Document Number	2006031077
Date	Jun 3, 2020
Instrument	2006031077

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 2, 2050

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 9, 2017
Property Address	5094 TONYA WAY, CARMICHAEL, CA 95608-0904
Document Number	1711091211
Instrument Date	Nov 3, 2017
Instrument	1711091211
Transaction Type	Transfer
Record Updated	Nov 21, 2017
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$478.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5094 TONYA WAY CARMICHAEL CA 956080904, CARMICHAEL, CA 95608-0904

Mortgage

Document Number	1711091212
Date	Nov 9, 2017
Instrument	1711091212

Lender

Name	AMERICAN FIN'L NETWORK
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 8, 2047

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5094 TONYA WAY, CARMICHAEL, CA 95608-0904
Document Number	0000000882
Book / Page	170105 / 000882
Instrument Date	Dec 22, 2016
Transaction Type	Mortgage
Record Updated	Feb 6, 2017
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5094 TONYA WAY CARMICHAEL CA 956080904, CARMICHAEL, CA 95608-0904

Mortgage

Document Number	0000000882
Date	Jan 5, 2017
Book Page	170105/000882

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 4, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 5094 Tonya Way was $5,990, up 2.2% from the year before.

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		$504,850 (+2%) Land $98,648 Building $406,202
2025	$5,990.00 (+2.17%)	$494,952 Land $96,714 Building $398,238
2024	$5,863.00 (+1.59%)
2023	$5,771.00 (+2.05%)	$475,734 Land $92,959 Building $382,775
2022	$5,655.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 5094 Tonya Way in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 29, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 5094 Tonya Way is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% 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 612 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 Fixed Wireless · DSL · Fiber in parts of the area	100 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: Succeed.Net.

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