5107 Tonya Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 5107 Tonya Way, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,052 sqft · built 1970
Lot Size	0.185 acres (8,060 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,054 (2025)
Deeds & Mortgages	Jul 2021 Reverse Mortgage Jul 2021 Reverse Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`236-0315-007-0000`

Property Details

APN / Parcel Number

Primary APN	`236-0315-007-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,052 sqft Living Area
1st Floor Area	1,021 sqft
2nd Floor Area	1,031 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
Roof Material	Other
Lot Area	8,060 sqft (0.185 acres)
Garage Area	515 sqft
Parking Spaces	2 Parking Spaces
Pool Area	10,200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5107 TONYA WAY
City	CARMICHAEL
State	CA
Zip	95608-0905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	DEL CAMPO HILLS 01, LOT 10
Legal Subdivision	DEL CAMPO HILLS 01
Legal Lot Number	10
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	3
Census Block	3014
Census Tract	7903

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	5107 TONYA WAY, CARMICHAEL, CA 95608-0905
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2021	Deed of Trust, Mortgage · Reverse Mortgage ENNKAR INC
Jul 12, 2021	Deed of Trust, Mortgage · Reverse Mortgage ENNKAR INC
Oct 16, 2019	Deed of Trust, Mortgage · FHA Mortgage ONE REVERSE MTG
Oct 16, 2019	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV
Jun 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5107 TONYA WAY, CARMICHAEL, CA 95608-0905
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5107 TONYA WAY, CARMICHAEL, CA 95608-0905

Mortgage

Document Number	0000001524
Date	Jul 12, 2021
Instrument	202107121524

Lender

Name	ENNKAR INC
Type	Mortgage Company
Address	ORANGE, CA 92865

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	868 Months
Due	Nov 3, 2093

Interest

Rate Type	Adjustable Rate
Rate	1.55%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2021
Change Frequency	Monthly
Index	1-Year CMT

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5107 TONYA WAY, CARMICHAEL, CA 95608-0905
Transaction Type	Mortgage
Record Updated	Jul 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5107 TONYA WAY, CARMICHAEL, CA 95608-0905

Mortgage

Document Number	7120000001524
Date	Jul 12, 2021
Book Page	20210712/1524

Lender

Name	ENNKAR INC
Type	Mortgage Company
Address	ORANGE, CA 92865

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	868 Months
Due	Nov 3, 2093

Interest

Rate Type	Adjustable Rate
Rate	1.55%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2021
Change Frequency	Monthly
Index	1-Year CMT

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5107 TONYA WAY, CARMICHAEL, CA 95608-0905
Document Number	1910211139
Instrument Date	Oct 16, 2019
Transaction Type	Mortgage
Record Updated	Nov 5, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5107 TONYA WAY CARMICHAEL CA 956080905, CARMICHAEL, CA 95608-0905

Mortgage

Document Number	1910211139
Date	Oct 21, 2019
Instrument	1910211139

Lender

Name	ONE REVERSE MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92121

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	888 Months
Due	Oct 20, 2093

Interest

Rate Type	Adjustable Rate
Rate	3.2%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5107 TONYA WAY, CARMICHAEL, CA 95608-0905
Document Number	1910211140
Instrument Date	Oct 16, 2019
Transaction Type	Mortgage
Record Updated	Nov 5, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5107 TONYA WAY CARMICHAEL CA 956080905, CARMICHAEL, CA 95608-0905

Mortgage

Document Number	1910211140
Date	Oct 21, 2019
Instrument	1910211140

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	888 Months
Due	Oct 20, 2093

Interest

Rate Type	Adjustable Rate
Rate	3.2%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5107 TONYA WAY, CARMICHAEL, CA 95608-0905
Document Number	1707060009
Instrument Date	Jun 26, 2017
Transaction Type	Mortgage
Record Updated	Jul 26, 2017
Title Company	TSI TITLE COMPANY/CA INC, TSI TITLE CO/CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5107 TONYA WAY CARMICHAEL CA 956080905, CARMICHAEL, CA 95608-0905

Mortgage

Document Number	1707060009
Date	Jul 6, 2017
Instrument	1707060009

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 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		$264,019 (+2%) Land $81,225 Building $182,794
2025	$3,054.00 (+2.21%) Homeowner's exemption	$258,843 (+4.04%) Land $79,633 Building $179,210
2024	$2,988.00 (+1.67%)
2023	$2,939.00 (+2.08%) Homeowner's exemption	$248,794 Land $76,542 Building $172,252
2022	$2,879.00

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

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

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% 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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