5220 Shelato Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 5220 Shelato Way, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,903 sqft · built 1974
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$880,000 (Feb 2026)
Tax Bill	$6,438 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit Feb 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (reduced by levee)
APN	`289-0510-030-0000`

Property Details

APN / Parcel Number

Primary APN	`289-0510-030-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,903 sqft Living Area
1st Floor Area	1,784 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	8,276 sqft (0.19 acres)
Garage Area	486 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5220 SHELATO WAY
City	CARMICHAEL
State	CA
Zip	95608-6142
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-4
Legal Description	BRIARWOOD DEL DAYO, LOT 101
Legal Subdivision	BRIARWOOD DEL DAYO
Legal Lot Number	101
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	2
Census Block	2003
Census Tract	5804

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	5220 SHELATO WAY, CARMICHAEL, CA 95608-6142
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2021	Deed of Trust, Mortgage · Line of Credit EDUCATIONAL EMPLOYEES CU
Feb 24, 2026	Grant Deed, Transfer · Conventional Mortgage ANSWER HOME LENDING INC
Jun 22, 2021	Deed of Trust, Mortgage · Line of Credit EDUCATIONAL EMPLOYEES CU
Oct 13, 2017	Deed of Trust, Mortgage · Line of Credit EDUCATIONAL EMP CU
May 2, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2026 · Amount on Record
Deed Sale	Feb 24, 2026 · Amount on Record
Prior Sale	Aug 17, 2009 · Amount on Record
Deed Book / Page	20260224 / 485
Prior Transfer Date	Jun 19, 1996
Prior Transfer Doc	9606001032
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5220 SHELATO WAY, CARMICHAEL, CA 95608-6142
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000102
Date	Jun 22, 2021
Instrument	202106220102

Lender

Name	EDUCATIONAL EMPLOYEES CU
Type	Credit Union
Address	FRESNO, CA 93755

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 21, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Feb 24, 2026
Property Address	5220 SHELATO WAY, CARMICHAEL, CA 95608-6142
Document Number	0000000485
Map Reference	MB 88 MAP 3
Instrument Date	Feb 18, 2026
Instrument	202602240485
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	PLACER TITLE COMPANY

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	5220 SHELATO WAY, CARMICHAEL, CA 95608-6142

Mortgage

Document Number	0000000486
Date	Feb 24, 2026
Instrument	202602240486

Lender

Name	ANSWER HOME LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Mar 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.7%
Index	SOFR Average 30-Day
Max Rate	10.7%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5220 SHELATO WAY, CARMICHAEL, CA 95608-6142
Transaction Type	Mortgage
Record Updated	Jul 7, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	6220000000102
Date	Jun 22, 2021
Book Page	20210622/102

Lender

Name	EDUCATIONAL EMPLOYEES CU
Type	Credit Union
Address	FRESNO, CA 93755

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 21, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5220 SHELATO WAY, CARMICHAEL, CA 95608-6142
Document Number	1710231026
Instrument Date	Oct 13, 2017
Transaction Type	Mortgage
Record Updated	Oct 31, 2017
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	5220 SHELATO WAY CARMICHAEL CA 956086142, CARMICHAEL, CA 95608-6142

Mortgage

Document Number	1710231026
Date	Oct 23, 2017
Instrument	1710231026

Lender

Name	EDUCATIONAL EMP CU
Type	Credit Union
Address	FRESNO, CA 93755

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 2, 2017
Property Address	5220 SHELATO WAY, CARMICHAEL, CA 95608-6142
Document Number	0000000122
Book / Page	170502 / 000122
Instrument Date	Apr 12, 2017
Transaction Type	Transfer
Record Updated	May 11, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	5220 SHELATO WAY CARMICHAEL CA 956086142, CARMICHAEL, CA 95608-6142

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		$543,421 (+2%) Land $296,235 Building $247,186
2025	$6,438.00 (+0.97%) Homeowner's exemption	$532,767 (+4.04%) Land $290,427 Building $242,340
2024	$6,376.00 (+2.59%)
2023	$6,215.00 (+0.57%) Homeowner's exemption	$512,081 Land $279,150 Building $232,931
2022	$6,180.00

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 106 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	106 in force
Nearby Flood Claims	9 (1993–2026)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Apr 2026 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 3 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	Low lower than 67% of the US · lower than 81% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 516 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Succeed.Net.

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