5648 Sapunor Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 5648 Sapunor Way, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,120 sqft · built 1958
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Mar 2008)
Tax Bill	$3,594 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Apr 2022 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`232-0203-020-0000`

Property Details

APN / Parcel Number

Primary APN	`232-0203-020-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 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
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5648 SAPUNOR WAY
City	CARMICHAEL
State	CA
Zip	95608-0466
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	MERRIHILL 09, LOT 115
Legal Subdivision	MERRIHILL 09
Legal Lot Number	115
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	2
Census Block	2005
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	5648 SAPUNOR WAY, CARMICHAEL, CA 95608-0466
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage SCHOOLSFIRST FEDERAL CREDIT UNION
Apr 7, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SCHOOLSFIRST FCU
Dec 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK
Jan 26, 2018	Quit Claim Deed, Mortgage SUMMIT FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2008 · Amount on Record
Deed Sale	Mar 20, 2008 · Amount on Record
Prior Sale	Oct 16, 2007 · Amount on Record
Deed Book / Page	20080320 / 1198
Last Transfer Date	Jan 22, 2018
Transfer Doc	1260000001505
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 2, 2026
Property Address	5648 SAPUNOR WAY, CARMICHAEL, CA 95608-0466
Document Number	2026000450
Book / Page	20260702 / 450
Instrument Date	Jun 17, 2026
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	5648 SAPUNOR WAY, CARMICHAEL, CA 95608-0466

Mortgage

Document Number	2026000450,
Date	Jul 2, 2026
Book Page	20260702/450

Lender

Name	SCHOOLSFIRST FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 25, 2036

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5648 SAPUNOR WAY, CARMICHAEL, CA 95608-0466
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5648 SAPUNOR WAY, CARMICHAEL, CA 95608-0466

Mortgage

Document Number	0000000034
Date	Apr 7, 2022
Instrument	2022040700034

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 5, 2032

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5648 SAPUNOR WAY, CARMICHAEL, CA 95608-0466
Document Number	2012180341
Instrument Date	Dec 4, 2020
Transaction Type	Mortgage
Record Updated	Jan 11, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5648 SAPUNOR WAY CARMICHAEL CA 956080466, CARMICHAEL, CA 95608-0466

Mortgage

Document Number	2012180341
Date	Dec 18, 2020
Instrument	2012180341

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 2050

January 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jan 26, 2018
Property Address	5648 SAPUNOR WAY, CARMICHAEL, CA 95608-0466
Document Number	1801261505
Instrument Date	Jan 22, 2018
Instrument	1801261505
Transaction Type	Mortgage
Record Updated	Feb 6, 2018
Title Company	STEWART TITLE, STEWART TITLE/SACRAMENTO

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5648 SAPUNOR WAY CARMICHAEL CA 956080466, CARMICHAEL, CA 95608-0466

Mortgage

Document Number	1801261506
Date	Jan 26, 2018
Instrument	1801261506

Lender

Name	SUMMIT FNDG
Type	Funding / Finance Company
Address	SACRAMENTO, CA 95815

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 25, 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		$314,834 (+2%) Land $174,163 Building $140,671
2025	$3,594.00 (+1.01%) Homeowner's exemption	$308,662 (+4.04%) Land $170,749 Building $137,913
2024	$3,558.00 (+2.65%)
2023	$3,466.00 (+0.58%) Homeowner's exemption	$296,677 Land $164,119 Building $132,558
2022	$3,446.00

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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