5581 Coolley Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 5581 Coolley Way, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,236 sqft · built 1959
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$560,000 (May 2020)
Tax Bill	$7,932 (2025)
Deeds & Mortgages	Aug 2021 Second Mortgage Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`289-0312-006-0000`

Property Details

APN / Parcel Number

Primary APN	`289-0312-006-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,236 sqft Living Area
1st Floor Area	1,472 sqft
2nd Floor Area	540 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	14,375 sqft (0.33 acres)
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5581 COOLLEY WAY
City	CARMICHAEL
State	CA
Zip	95608-5964
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-4
Legal Description	DEL DAYO RIVIERA 01, LOT 78
Legal Subdivision	DEL DAYO RIVIERA 01
Legal Lot Number	78
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	2
Census Block	2014
Census Tract	5804

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	5581 COOLLEY WAY, CARMICHAEL, CA 95608-5964
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VALLEY STRONG CU
Aug 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Aug 18, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VALLEY STRONG CU
Aug 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
May 22, 2020	Grant Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2020 · Amount on Record
Deed Sale	May 22, 2020 · Amount on Record
Prior Sale	Oct 13, 2015 · Amount on Record
Deed Book / Page	20200522 / 1200
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5581 COOLLEY WAY, CARMICHAEL, CA 95608-5964
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	CHICAGO TITLE PIRT, CHICAGO TITLE PINT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5581 COOLLEY WAY, CARMICHAEL, CA 95608-5964

Mortgage

Document Number	0000001319
Date	Aug 18, 2021
Instrument	2021081801319

Lender

Name	VALLEY STRONG CU
Type	Credit Union
Address	BAKERSFIELD, CA 93389

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2031

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5581 COOLLEY WAY, CARMICHAEL, CA 95608-5964
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5581 COOLLEY WAY, CARMICHAEL, CA 95608-5964

Mortgage

Document Number	0000000329
Date	Aug 9, 2021
Instrument	202108090329

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Apr 1, 2051

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5581 COOLLEY WAY, CARMICHAEL, CA 95608-5964
Transaction Type	Mortgage
Record Updated	Sep 1, 2021
Title Company	CHICAGO TITLE PIRT, CHICAGO TITLE PINT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5581 COOLLEY WAY, CARMICHAEL, CA 95608-5964

Mortgage

Document Number	2021081801319
Date	Aug 18, 2021
Instrument	2021081801319

Lender

Name	VALLEY STRONG CU
Type	Credit Union
Address	BAKERSFIELD, CA 93389

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2031

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5581 COOLLEY WAY, CARMICHAEL, CA 95608-5964
Transaction Type	Mortgage
Record Updated	Aug 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5581 COOLLEY WAY, CARMICHAEL, CA 95608-5964

Mortgage

Document Number	8090000000329
Date	Aug 9, 2021
Book Page	20210809/329

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Apr 1, 2051

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 22, 2020
Property Address	5581 COOLLEY WAY, CARMICHAEL, CA 95608-5964
Document Number	2005221200
Instrument Date	May 19, 2020
Instrument	2005221200
Transaction Type	Transfer
Record Updated	Jun 4, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$616.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5581 COOLLEY WAY CARMICHAEL CA 956085964, CARMICHAEL, CA 95608-5964

Mortgage

Document Number	2005221201
Date	May 22, 2020
Instrument	2005221201

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 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		$666,157 (+2%) Land $326,286 Building $339,871
2025	$7,932.00 (+0.95%)	$653,096 (+4.04%) Land $319,889 Building $333,207
2024	$7,857.00 (+2.56%)
2023	$7,661.00 (+5.52%)	$627,737 Land $307,468 Building $320,269
2022	$7,260.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 106 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	106 in force
Nearby Flood Claims	9 (1993–2026)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Apr 2026 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 3 claims

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 67% of the US · lower than 81% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Fidium Fiber Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: GeoLinks, Succeed.Net.

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