5545 Sapunor Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 5545 Sapunor Way, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,078 sqft · built 1958
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Sep 2026)
Tax Bill	$4,298 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Sep 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`232-0201-038-0000`

Property Details

APN / Parcel Number

Primary APN	`232-0201-038-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,078 sqft Living Area
1st Floor Area	1,078 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5545 SAPUNOR WAY
City	CARMICHAEL
State	CA
Zip	95608-0467
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	MERRIHILL 09, LOT 82
Legal Subdivision	MERRIHILL 09
Legal Lot Number	82
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	2
Census Block	2001
Census Tract	8117

Owner

Source: Sacramento County records, as of October 13, 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	5545 SAPUNOR WAY, CARMICHAEL, CA 95608-0467
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2026	Grant Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Sep 16, 2020	Grant Deed, Transfer · Conventional with PMI FINANCE OF AMERICA MTG
Nov 5, 2019	Deed of Trust, Mortgage · FHA Mortgage MEGA CAP FNDG
Jan 5, 2018	Deed of Trust, Mortgage · FHA Mortgage LAND HM FIN'L
Apr 26, 2017	Grant Deed, Transfer · FHA Mortgage LAND-HOME FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2026 · Amount on Record
Deed Sale	Sep 17, 2026 · Amount on Record
Prior Sale	Sep 16, 2020 · Amount on Record
Deed Book / Page	20260917 / 596
Prior Transfer Date	Sep 29, 2014
Prior Transfer Doc	0000000466
Record Updated	Oct 29, 2026

September 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 17, 2026
Property Address	5545 SAPUNOR WAY, CARMICHAEL, CA 95608-0467
Document Number	2026000596
Book / Page	20260917 / 596
Instrument Date	Sep 11, 2026
Transaction Type	Transfer
Record Updated	Sep 25, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$48,884.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5545 SAPUNOR WAY, CARMICHAEL, CA 95608-0467

Mortgage

Document Number	2026000597,
Date	Sep 17, 2026
Book Page	20260917/597

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 16, 2020
Property Address	5545 SAPUNOR WAY, CARMICHAEL, CA 95608-0467
Document Number	2009162122
Instrument Date	Sep 8, 2020
Instrument	2009162122
Transaction Type	Transfer
Record Updated	Oct 5, 2020
Title Company	STEWART TITLE, STEWART TITLE/SACRAMENTO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$374.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5545 SAPUNOR WAY CARMICHAEL CA 956080467, CARMICHAEL, CA 95608-0467

Mortgage

Document Number	2009162123
Date	Sep 16, 2020
Instrument	2009162123

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5545 SAPUNOR WAY, CARMICHAEL, CA 95608-0467
Document Number	1911121547
Instrument Date	Nov 5, 2019
Transaction Type	Mortgage
Record Updated	Nov 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5545 SAPUNOR WAY CARMICHAEL CA 956080467, CARMICHAEL, CA 95608-0467

Mortgage

Document Number	1911121547
Date	Nov 12, 2019
Instrument	1911121547

Lender

Name	MEGA CAP FNDG
Type	Funding / Finance Company
Address	CALABASAS, CA 91302

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 11, 2049

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5545 SAPUNOR WAY, CARMICHAEL, CA 95608-0467
Document Number	1801110710
Instrument Date	Jan 5, 2018
Transaction Type	Mortgage
Record Updated	Aug 30, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5545 SAPUNOR WAY CARMICHAEL CA 956080467, CARMICHAEL, CA 95608-0467

Mortgage

Document Number	1801110710
Date	Jan 11, 2018
Instrument	1801110710

Lender

Name	LAND HM FIN'L
Type	Funding / Finance Company
Address	CONCORD, CA 94520

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 10, 2048

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 26, 2017
Property Address	5545 SAPUNOR WAY, CARMICHAEL, CA 95608-0467
Document Number	4260000001483
Book / Page	20170426 / 1483
Map Reference	MB 50 MAP 18
Instrument Date	Apr 21, 2017
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	STEWART TITLE OF SACRAMENTO

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
Relationship	Joint Tenants
Address	5545 SAPUNOR WAY, CARMICHAEL, CA 95608-0467

Mortgage

Document Number	201704261484
Date	Apr 26, 2017
Instrument	20170426/1484

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 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		$375,384 (+2%) Land $88,324 Building $287,060
2025	$4,298.00 (+0.99%) Homeowner's exemption	$368,025 (+4.04%) Land $86,593 Building $281,432
2024	$4,256.00 (+2.65%)
2023	$4,146.00 (+0.56%) Homeowner's exemption	$353,736 Land $83,232 Building $270,504
2022	$4,123.00

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	6 in force
Nearby Flood Claims	1 (2005)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2005 · Severe Storms, Flooding, Mudslides, And Landslides

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 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 650 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: Succeed.Net, T-Mobile.

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