5643 Sapunor Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 5643 Sapunor Way, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,487 sqft · built 1958
Lot Size	0.12 acres (5,227 sqft)
Owner	Company Name on Record
Last Sale	$155,000 (Dec 2012)
Tax Bill	$2,277 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jan 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`232-0201-023-0000`

Property Details

APN / Parcel Number

Primary APN	`232-0201-023-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,487 sqft Living Area
1st Floor Area	1,120 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.12 acres)
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5643 SAPUNOR WAY
City	CARMICHAEL
State	CA
Zip	95608-0419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	MERRIHILL 09, LOT 67
Legal Subdivision	MERRIHILL 09
Legal Lot Number	67
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	2
Census Block	2001
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	Company Name on Record
Mailing Address	4833 RUNWAY DR, FAIR OAKS, CA 95628-8126
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Jan 23, 2025	Deed of Trust, Mortgage · Line of Credit BANNER BANK
Apr 5, 2021	Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Apr 5, 2021	Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Sep 8, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2012 · Amount on Record
Deed Sale	Dec 14, 2012 · Amount on Record
Prior Sale	Jul 17, 1995 · Amount on Record
Deed Book / Page	20121214 / 1428
Last Transfer Date	Mar 29, 2021
Transfer Doc	2021001777
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5643 SAPUNOR WAY, CARMICHAEL, CA 95608-0419
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4833 RUNWAY DR, FAIR OAKS, CA 95628-8126

Mortgage

Document Number	0000001778
Date	Apr 5, 2021
Instrument	202104051778

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	264 Months
Due	Apr 1, 2043

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5643 SAPUNOR WAY, CARMICHAEL, CA 95608-0419
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4833 RUNWAY DR, FAIR OAKS, CA 95628-8126

Mortgage

Document Number	0000000097
Date	Jan 23, 2025
Instrument	202501230097

Lender

Name	BANNER BANK
Type	Bank
Address	FOLSOM, CA 95630

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 5, 2021
Property Address	5643 SAPUNOR WAY, CARMICHAEL, CA 95608-0419
Document Number	0000001779
Map Reference	MB 50 PG 16
Instrument Date	Mar 29, 2021
Instrument	202104051779
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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
Address	4833 RUNWAY DR, FAIR OAKS, CA 95628-8126

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 5, 2021
Property Address	5643 SAPUNOR WAY, CARMICHAEL, CA 95608-0419
Document Number	0000001777
Map Reference	MB 50 PG 16
Instrument Date	Mar 29, 2021
Instrument	202104051777
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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	4833 RUNWAY DR, FAIR OAKS, CA 95628-8126

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 8, 2017
Property Address	5643 SAPUNOR WAY, CARMICHAEL, CA 95608-0419
Document Number	1709081197
Instrument Date	Aug 20, 2017
Instrument	1709081197
Transaction Type	Transfer
Record Updated	Sep 19, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4833 RUNWAY DR FAIR OAKS CA 956288126, FAIR OAKS, CA 95628-8126

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		$194,676 (+2%) Land $62,798 Building $131,878
2025	$2,277.00 (+0.93%)	$190,860 (+4.04%) Land $61,567 Building $129,293
2024	$2,256.00 (+2.59%)
2023	$2,199.00 (+0.55%)	$183,450 Land $59,177 Building $124,273
2022	$2,187.00

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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