5709 River Oak Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 5709 River Oak Way, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,951 sqft · built 1970
Lot Size	0.213 acres (9,272 sqft)
Owner	2 Individual Names on Record
Last Sale	$611,000 (Jun 2017)
Tax Bill	$8,583 (2025)
Deeds & Mortgages	Nov 2018 Line of Credit Jul 2018 Loan Modification + 1 more
Flood Zone	Zone X (moderate risk)
APN	`283-0421-003-0000`

Property Details

APN / Parcel Number

Primary APN	`283-0421-003-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,951 sqft Living Area
Gross Area	2,009 sqft
1st Floor Area	1,888 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	9,272 sqft (0.213 acres)
Garage Area	364 sqft
Parking Spaces	2 Parking Spaces
Pool Area	7,500 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5709 RIVER OAK WAY
City	CARMICHAEL
State	CA
Zip	95608-5549
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	SHELFIELD OAKS, LOT 14
Legal Subdivision	SHELFIELD OAKS
Legal Lot Number	14
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	3
Census Block	3000
Census Tract	7702

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	5709 RIVER OAK WAY, CARMICHAEL, CA 95608-5549
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2018	Deed of Trust, Mortgage · Line of Credit SAFE FCU
Jul 31, 2018	Loan Modification, Mortgage · Conventional Mortgage SAFE FCU
Jun 1, 2017	Grant Deed, Transfer · ARM SAFE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2017 · Amount on Record
Deed Sale	Jun 1, 2017 · Amount on Record
Prior Sale	May 20, 2008 · Amount on Record
Deed Book / Page	20170601 / 1211
Prior Transfer Date	Jun 14, 1994
Prior Transfer Doc	9408001394
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5709 RIVER OAK WAY, CARMICHAEL, CA 95608-5549
Document Number	1812040957
Instrument Date	Nov 28, 2018
Transaction Type	Mortgage
Record Updated	Dec 19, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5709 RIVER OAK WAY CARMICHAEL CA 956085549, CARMICHAEL, CA 95608-5549

Mortgage

Document Number	1812040957
Date	Dec 4, 2018
Instrument	1812040957

Lender

Name	SAFE FCU
Type	Credit Union
Address	FOLSOM, CA 95630-8765

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 3, 2048

Interest

Rate Type	Adjustable Rate

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SACRAMENTO CA
Property Address	5709 RIVER OAK WAY, CARMICHAEL, CA 95608-5549
Document Number	1809180647
Instrument Date	Jul 31, 2018
Transaction Type	Mortgage
Record Updated	Sep 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5709 RIVER OAK WAY CARMICHAEL CA 956085549, CARMICHAEL, CA 95608-5549

Mortgage

Document Number	1809180647
Date	Sep 18, 2018
Instrument	1809180647

Lender

Name	SAFE FCU
Type	Credit Union
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	3.25%

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 1, 2017
Property Address	5709 RIVER OAK WAY, CARMICHAEL, CA 95608-5549
Document Number	6010000001211
Book / Page	20170601 / 1211
Map Reference	MB 76 MAP 18
Instrument Date	May 15, 2017
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
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	5709 RIVER OAK WAY, CARMICHAEL, CA 95608-5549

Mortgage

Document Number	201706011212
Date	Jun 1, 2017
Instrument	20170601/1212

Lender

Name	SAFE CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jun 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.25%
Index	1-Year LIBOR
Max Rate	8.25%

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		$738,290 (+4.12%) Land $239,567 Building $498,723
2025	$8,583.00 (+2.17%) Homeowner's exemption	$709,109 (+4.04%) Land $234,870 Building $474,239
2024	$8,401.00 (+1.62%)
2023	$8,267.00 (+2.05%) Homeowner's exemption	$681,575 Land $225,750 Building $455,825
2022	$8,101.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 50 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	50 in force
Nearby Flood Claims	6 (1986–2017)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Feb 2017 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 2 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 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect 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	CARMICHAEL WATER DISTRICT serves 41,193 people · EPA ID CA3410004
Water Source	Groundwater influenced by surface water
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 345 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
Succeed.Net Fixed Wireless	100 / 50
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Fidium Fiber, GeoLinks, T-Mobile.

Nearby Properties on River Oak Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures