5548 Sapunor Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 5548 Sapunor Way, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,120 sqft · built 1958
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Dec 2018)
Tax Bill	$3,703 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`232-0202-002-0000`

Property Details

APN / Parcel Number

Primary APN	`232-0202-002-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Custom Design
Exterior Material	Block
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	5548 SAPUNOR WAY
City	CARMICHAEL
State	CA
Zip	95608-0418
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	MERRIHILL 09, LOT 89
Legal Subdivision	MERRIHILL 09
Legal Lot Number	89
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	2
Census Block	2006
Census Tract	8117

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	5548 SAPUNOR WAY, CARMICHAEL, CA 95608-0418
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2020	Deed of Trust, Mortgage · VA Mortgage MR COOPER
Dec 28, 2018	Grant Deed, Transfer · VA Mortgage FINANCE OF AMERICA MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2018 · Amount on Record
Deed Sale	Dec 28, 2018 · Amount on Record
Prior Sale	Jul 19, 2013 · Amount on Record
Deed Book / Page	20181228 / 1133
Prior Transfer Date	Mar 17, 2010
Prior Transfer Doc	0000001530
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5548 SAPUNOR WAY, CARMICHAEL, CA 95608-0418
Document Number	2007130583
Instrument Date	Jun 19, 2020
Transaction Type	Mortgage
Record Updated	Jul 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5548 SAPUNOR WAY CARMICHAEL CA 956080418, CARMICHAEL, CA 95608-0418

Mortgage

Document Number	2007130583
Date	Jul 13, 2020
Instrument	2007130583

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 12, 2050

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 28, 2018
Property Address	5548 SAPUNOR WAY, CARMICHAEL, CA 95608-0418
Document Number	1812281133
Instrument Date	Dec 26, 2018
Instrument	1812281133
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$313.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5548 SAPUNOR WAY CARMICHAEL CA 956080418, CARMICHAEL, CA 95608-0418

Mortgage

Document Number	1812281134
Date	Dec 28, 2018
Instrument	1812281134

Lender

Name	FINANCE OF AMERICA MTG
Address	ROSEVILLE, CA 95661

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 27, 2048

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		$324,274 (+2%) Land $91,022 Building $233,252
2025	$3,703.00 (+0.98%) Homeowner's exemption	$317,917 (+4.04%) Land $89,238 Building $228,679
2024	$3,667.00 (+2.66%)
2023	$3,572.00 (+0.56%) Homeowner's exemption	$305,574 Land $85,774 Building $219,800
2022	$3,552.00

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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