Sacramento County property record for 5540 Tierra Gardens Ln, Carmichael, CA 95608
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,243 sqft · built 2002 |
| Lot Size | 0.263 acres (11,445 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $825,000 (Feb 2026) |
| Tax Bill | $7,292 (2025) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 272-0360-006-0000 |
| Primary APN | 272-0360-006-0000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,243 sqft Living Area |
| 1st Floor Area | 1,650 sqft |
| 2nd Floor Area | 1,593 sqft |
| Bonus Room | Bonus Room |
| Family Room | Family Room |
| Utility Room | Utility Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Other |
| Lot Area | 11,445 sqft (0.263 acres) |
| Garage Area | 682 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 5540 TIERRA GARDENS LN |
|---|---|
| City | CARMICHAEL |
| State | CA |
| Zip | 95608-4794 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RD-4 |
| Legal Description | TIERRA GARDENS, LOT 6 |
| Legal Subdivision | TIERRA GARDENS |
| Legal Lot Number | 6 |
| Jurisdiction | SACRAMENTO CA |
| Township / Civil Division | SACRAMENTO |
| Census Block Group | 5 |
| Census Block | 5004 |
| Census Tract | 7701 |
5540 Tierra Gardens Ln is owned and occupied by two individuals who bought it in February 2026.
Source: Sacramento County records, as of September 3, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5540 TIERRA GARDENS LN, CARMICHAEL, CA 95608-4794 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 27, 2026 · Amount on File |
| Deed Sale | Feb 27, 2026 · Amount on File |
| Prior Sale | Apr 19, 2013 · Amount on File |
| Deed Book / Page | 20260227 / 609 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Recording Date | Feb 27, 2026 |
| Property Address | 5540 TIERRA GARDENS LN, CARMICHAEL, CA 95608-4794 |
| Document Number | 0000000609 |
| Map Reference | MB 280 MAP 5 |
| Instrument Date | Feb 19, 2026 |
| Instrument | 202602270609 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2026 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 5540 TIERRA GARDENS LN, CARMICHAEL, CA 95608-4794 |
| Document Number | 0000000610 |
|---|---|
| Date | Feb 27, 2026 |
| Instrument | 202602270610 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
The 2025 property tax bill for 5540 Tierra Gardens Ln was $7,292, up 2.2% from the year before.
Source: Sacramento County assessment roll, as of July 22, 2026
| Type | Name |
|---|---|
| State | California |
| County | Sacramento County |
| Unified School District | San Juan Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $621,733 (+2%) Land $192,169 Building $429,564 | |
| 2025 | $7,292.00 (+2.19%) Homeowner's exemption | $609,543 Land $188,401 Building $421,142 |
| 2024 | $7,136.00 (+1.64%) | |
| 2023 | $7,021.00 (+2.05%) Homeowner's exemption | $585,876 Land $181,086 Building $404,790 |
| 2022 | $6,880.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 5540 Tierra Gardens Ln in Zone X, an area of minimal flood risk.
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 | 3 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 risk around 5540 Tierra Gardens Ln is low, with 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 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 500 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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