5604 Sapunor Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 5604 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	Individual Name on File
Last Sale	$297,500 (Jun 2017)
Tax Bill	$4,028 (2025)
Deeds & Mortgages	May 2021 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`232-0202-007-0000`

Property Details

APN / Parcel Number

Primary APN	`232-0202-007-0000`

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
Exterior Material	Stucco
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	HVAC
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	5604 SAPUNOR WAY
City	CARMICHAEL
State	CA
Zip	95608-0420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	MERRIHILL 09, LOT 94
Legal Subdivision	MERRIHILL 09
Legal Lot Number	94
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	2
Census Block	2006
Census Tract	8117

Owner

5604 Sapunor Way is owned and occupied by an individual who bought it in June 2017.

Source: Sacramento County records, as of July 22, 2026

Owner of Record	Individual Name on File
Mailing Address	5604 SAPUNOR WAY, CARMICHAEL, CA 95608-0420
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage ASSET FINANCIAL CENTER INC
May 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage ASSET FINANCIAL CENTER INC
Jun 30, 2017	Grant Deed, Transfer · FHA Mortgage SIERRA PACIFIC MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2017 · Amount on File
Deed Sale	Jun 30, 2017 · Amount on File
Prior Sale	Dec 31, 2013 · Amount on File
Deed Book / Page	20170630 / 155
Prior Transfer Date	Feb 12, 2007
Prior Transfer Doc	0000001769
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5604 SAPUNOR WAY, CARMICHAEL, CA 95608-0420
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5604 SAPUNOR WAY, CARMICHAEL, CA 95608-0420

Mortgage

Document Number	0000001198
Date	May 25, 2021
Instrument	202105251198

Lender

Name	ASSET FINANCIAL CENTER INC
Type	Non-Lending Institution
Address	SACRAMENTO, CA 95811

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5604 SAPUNOR WAY, CARMICHAEL, CA 95608-0420
Transaction Type	Mortgage
Record Updated	Jun 9, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5604 SAPUNOR WAY, CARMICHAEL, CA 95608-0420

Mortgage

Document Number	5250000001198
Date	May 25, 2021
Book Page	20210525/1198

Lender

Name	ASSET FINANCIAL CENTER INC
Type	Non-Lending Institution
Address	SACRAMENTO, CA 95811

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 30, 2017
Property Address	5604 SAPUNOR WAY, CARMICHAEL, CA 95608-0420
Document Number	1706300155
Instrument Date	Jun 22, 2017
Instrument	1706300155
Transaction Type	Transfer
Record Updated	Jul 25, 2017
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$327.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5604 SAPUNOR WAY CARMICHAEL CA 956080420, CARMICHAEL, CA 95608-0420

Mortgage

Document Number	1706300156
Date	Jun 30, 2017
Instrument	1706300156

Lender

Name	SIERRA PACIFIC MTG
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 29, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 5604 Sapunor Way was $4,028 with a homeowner's exemption, up 1% from the year before.

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		$352,173 (+2%) Land $82,862 Building $269,311
2025	$4,028.00 (+1%) Homeowner's exemption	$345,269 Land $81,238 Building $264,031
2024	$3,988.00 (+2.65%)
2023	$3,885.00 (+0.57%) Homeowner's exemption	$331,864 Land $78,085 Building $253,779
2022	$3,863.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 5604 Sapunor Way in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2005.

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

The area around 5604 Sapunor Way has no burnable land within ember reach, so its wildfire risk is not rated.

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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