5905 Camray Cir, Carmichael, CA 95608 Property Records

Sacramento County property record for 5905 Camray Cir, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,736 sqft · built 1980
Lot Size	0.177 acres (7,728 sqft)
Owner	Individual Name on File
Last Sale	$425,000 (Oct 2019)
Tax Bill	$8,319 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`245-0303-023-0000`

Property Details

APN / Parcel Number

Primary APN	`245-0303-023-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,736 sqft Living Area
1st Floor Area	1,736 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	L-Shape
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Material	Other
Lot Area	7,728 sqft (0.177 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Pool Area	13,000 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	5905 CAMRAY CIR
City	CARMICHAEL
State	CA
Zip	95608-1733
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	LINCOLN HILL 02, LOT 38
Legal Subdivision	LINCOLN HILL 02
Legal Lot Number	38
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1020
Census Tract	7906

Owner

Source: Sacramento County assessment roll, 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	Individual Name on File
Mailing Address	5905 CAMRAY CIR, CARMICHAEL, CA 95608-1733
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOFI LENDING CORP
Oct 24, 2019	Grant Deed, Transfer · Conventional Mortgage MUFG UNION BK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 24, 2019 · Amount on Record
Deed Sale	Oct 24, 2019 · Amount on Record
Deed Book / Page	20191024 / 1123
Prior Transfer Date	Jan 3, 2007
Prior Transfer Doc	0000001434
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5905 CAMRAY CIR, CARMICHAEL, CA 95608-1733
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5905 CAMRAY CIR, CARMICHAEL, CA 95608-1733

Mortgage

Document Number	0000000222
Date	Feb 25, 2021
Instrument	202102250222

Lender

Name	SOFI LENDING CORP
Type	Lending Institution
Address	SALT LAKE CITY, UT 84121

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 24, 2019
Property Address	5905 CAMRAY CIR, CARMICHAEL, CA 95608-1733
Document Number	1910241123
Instrument Date	Oct 22, 2019
Instrument	1910241123
Transaction Type	Transfer
Record Updated	Nov 7, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$467.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5905 CAMRAY CIR CARMICHAEL CA 956081733, CARMICHAEL, CA 95608-1733

Mortgage

Document Number	1910241124
Date	Oct 24, 2019
Instrument	1910241124

Lender

Name	MUFG UNION BK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2049

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		$474,088 (+2%) Land $122,703 Building $351,385
2025	$8,319.00 (+1.45%)	$464,794 (+4.04%) Land $120,298 Building $344,496
2024	$8,200.00 (+1.07%)
2023	$8,113.00 (+1.35%)	$446,748 Land $115,628 Building $331,120
2022	$8,005.00

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	1 in force

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 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 507 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Succeed.Net.

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