5230 Cloverdale Ln, Carmichael, CA 95608 Property Records

Sacramento County property record for 5230 Cloverdale Ln, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 4,081 sqft · built 2004
Lot Size	0.525 acres (22,846 sqft)
Owner	Company Name on Record
Last Sale	$362,000 (May 2010)
Tax Bill	$8,656 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`283-0070-090-0000`

Property Details

APN / Parcel Number

Primary APN	`283-0070-090-0000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,081 sqft Living Area
1st Floor Area	2,593 sqft
2nd Floor Area	430 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	22,846 sqft (0.525 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5230 CLOVERDALE LN
City	CARMICHAEL
State	CA
Zip	95608-5011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	PARCEL MAP CLOVERDALE LANE, LOT 1
Legal Subdivision	PARCEL MAP CLOVERDALE LANE
Legal Lot Number	1
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1005
Census Tract	7702

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	Company Name on Record
Mailing Address	5230 CLOVERDALE LN, CARMICHAEL, CA 95608-5011
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC
Jul 16, 2020	Deed of Trust, Mortgage · Conventional with PMI MUTUAL/OMAHA MTG LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2010 · Amount on Record
Deed Sale	May 14, 2010 · Amount on Record
Deed Book / Page	20100514 / 1123
Last Transfer Date	Sep 20, 2016
Transfer Doc	0000001351
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5230 CLOVERDALE LN, CARMICHAEL, CA 95608-5011
Transaction Type	Mortgage
Record Updated	Apr 26, 2022
Title Company	STEWART TITLE, STEWART TITLE OF SACRAMENTO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5230 CLOVERDALE LN, CARMICHAEL, CA 95608-5011

Mortgage

Document Number	0000000783
Date	Apr 15, 2022
Instrument	2022041500783

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5230 CLOVERDALE LN, CARMICHAEL, CA 95608-5011
Document Number	2007220001
Instrument Date	Jul 16, 2020
Transaction Type	Mortgage
Record Updated	Aug 11, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5230 CLOVERDALE LN CARMICHAEL CA 956085011, CARMICHAEL, CA 95608-5011

Mortgage

Document Number	2007220001
Date	Jul 22, 2020
Instrument	2007220001

Lender

Name	MUTUAL/OMAHA MTG LLC
Address	LOMBARD, IL 60148

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 21, 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		$736,600 (+2%) Land $154,039 Building $582,561
2025	$8,656.00 (+2.18%) Homeowner's exemption	$722,158 (-3.12%) Land $151,019 Building $571,139
2024	$8,471.00 (-5.42%)
2023	$8,956.00 (+48.08%) Homeowner's exemption	$745,417 Land $145,155 Building $600,262
2022	$6,048.00

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	8 in force

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 80% of the US · lower than 88% of California
Wildfire Likelihood	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	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 581 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 in parts of the area	100 / 20

May also be available: GeoLinks, Succeed.Net.

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