5560 Sapunor Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 5560 Sapunor Way, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,078 sqft · built 1958
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Aug 2019)
Tax Bill	$3,777 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Nov 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`232-0202-005-0000`

Property Details

APN / Parcel Number

Primary APN	`232-0202-005-0000`

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
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	5560 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 92
Legal Subdivision	MERRIHILL 09
Legal Lot Number	92
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5560 SAPUNOR WAY, CARMICHAEL, CA 95608-0418
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2023	Deed of Trust, Mortgage · Line of Credit GTE FCU
Nov 16, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
Aug 5, 2019	Grant Deed, Transfer · FHA Mortgage NEW AMERICAN FNDG
Aug 5, 2019	Quit Claim Deed, Transfer NEW AMERICAN FNDG
Oct 13, 2018	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN INTERNET MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2019 · Amount on Record
Deed Sale	Aug 5, 2019 · Amount on Record
Prior Sale	Oct 16, 2013 · Amount on Record
Deed Book / Page	20190805 / 838
Last Transfer Date	Nov 6, 2021
Transfer Doc	0000001856
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5560 SAPUNOR WAY, CARMICHAEL, CA 95608-0418
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5560 SAPUNOR WAY, CARMICHAEL, CA 95608-0418

Mortgage

Document Number	0000000004
Date	Aug 9, 2023
Instrument	202308090004

Lender

Name	GTE FCU
Type	Credit Union
Address	TAMPA, FL 33602

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 16, 2021
Property Address	5560 SAPUNOR WAY, CARMICHAEL, CA 95608-0418
Document Number	2021111601856
Map Reference	MB 50 MAP 16
Instrument Date	Nov 6, 2021
Instrument	2021111601856
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5560 SAPUNOR WAY, CARMICHAEL, CA 95608-0418

Mortgage

Document Number	2021111601857
Date	Nov 16, 2021
Instrument	2021111601857

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 5, 2019
Property Address	5560 SAPUNOR WAY, CARMICHAEL, CA 95608-0418
Document Number	1908050838
Instrument Date	Jul 31, 2019
Instrument	1908050838
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$319.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	5560 SAPUNOR WAY CARMICHAEL CA 956080418, CARMICHAEL, CA 95608-0418

Mortgage

Document Number	1908050840
Date	Aug 5, 2019
Instrument	1908050840

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 4, 2049

Mortgage

Document Number	1908050841,
Date	Aug 5, 2019
Instrument	1908050841

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 4, 2049

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 5, 2019
Property Address	5560 SAPUNOR WAY, CARMICHAEL, CA 95608-0418
Document Number	1908050839
Instrument Date	Jul 31, 2019
Instrument	1908050839
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	5560 SAPUNOR WAY CARMICHAEL CA 956080418, CARMICHAEL, CA 95608-0418

Mortgage

Document Number	1908050842
Date	Aug 5, 2019
Instrument	1908050842

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 4, 2049

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5560 SAPUNOR WAY, CARMICHAEL, CA 95608-0418
Document Number	1810180474
Instrument Date	Oct 13, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	ALTA TITLE INSURANCE COMMITMENT, ALTA TITLE INS COMMITMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1049 PROVIDENCE LN OVIEDO FL 327657043, OVIEDO, FL 32765-7043

Mortgage

Document Number	1810180474
Date	Oct 18, 2018
Instrument	1810180474

Lender

Name	AMERICAN INTERNET MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 17, 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		$323,493 (+2%) Land $89,237 Building $234,256
2025	$3,777.00 (+0.96%)	$317,151 (+4.04%) Land $87,488 Building $229,663
2024	$3,741.00 (+2.61%)
2023	$3,646.00 (+0.52%)	$304,838 Land $84,092 Building $220,746
2022	$3,627.00

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	Not rated no burnable land within 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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