5921 River Oak Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 5921 River Oak Way, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	7 bd · 4 ba · 5,600 sqft · built 1972
Lot Size	0.62 acres (27,007 sqft)
Owner	Trust Name on Record
Last Sale	$900,000 (Jul 2019)
Tax Bill	$15,495 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`283-0371-022-0000`

Property Details

APN / Parcel Number

Primary APN	`283-0371-022-0000`

Interior

Bedrooms	7 Beds
Full Baths	4 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	5,600 sqft Living Area
1st Floor Area	2,825 sqft
2nd Floor Area	1,800 sqft
Bonus Room	Bonus Room
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	H-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	27,007 sqft (0.62 acres)
Garage Area	767 sqft
Parking Spaces	3 Parking Spaces
Pool Area	16,000 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5921 RIVER OAK WAY
City	CARMICHAEL
State	CA
Zip	95608-5548
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5 (PC)
Legal Description	POR LOTS 1 2 & 3 OF RIVER GLEN BEG AT A PT LOC S55%W 40 FT FROM NW COR OF SD LOT 1 TH FROM SD POB SWLY ALG SELY LINE OF RIVER
Legal Subdivision	RIVER GLEN
Legal Lot Number	1
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	3
Census Block	3013
Census Tract	7702

Owner

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

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

Owner of Record	Trust Name on Record
Mailing Address	5921 RIVER OAK WAY, CARMICHAEL, CA 95608-5548
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 19, 2019	Grant Deed, Transfer · Conventional Mortgage PARAMOUNT PTRS GRP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2019 · Amount on Record
Deed Sale	Jul 19, 2019 · Amount on Record
Prior Sale	May 28, 2014 · Amount on Record
Deed Book / Page	20190719 / 1278
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 6, 2026
Property Address	5921 RIVER OAK WAY, CARMICHAEL, CA 95608-5548
Document Number	2026000072
Book / Page	20260706 / 72
Instrument Date	Jun 23, 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	5921 RIVER OAK WAY, CARMICHAEL, CA 95608-5548
Investor	Possibly a Property Investor

Mortgage

Document Number	2026000072,
Date	Jul 6, 2026
Book Page	20260706/72

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5921 RIVER OAK WAY, CARMICHAEL, CA 95608-5548
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5921 RIVER OAK WAY, CARMICHAEL, CA 95608-5548
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001988
Date	Feb 2, 2021
Instrument	202102021988

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 19, 2019
Property Address	5921 RIVER OAK WAY, CARMICHAEL, CA 95608-5548
Document Number	1907191278
Instrument Date	Jul 17, 2019
Instrument	1907191278
Transaction Type	Transfer
Record Updated	Jul 31, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$990.00
Amount Accuracy	Full Value
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	5921 RIVER OAK WAY CARMICHAEL CA 956085548, CARMICHAEL, CA 95608-5548

Mortgage

Document Number	1907191279
Date	Jul 19, 2019
Instrument	1907191279

Lender

Name	PARAMOUNT PTRS GRP
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 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		$1,282,841 (+2%) Land $725,085 Building $557,756
2025	$15,495.00 (+2.12%)	$1,257,688 (+4.04%) Land $710,868 Building $546,820
2024	$15,173.00 (+1.59%)
2023	$14,936.00 (+2.01%)	$1,208,853 Land $683,265 Building $525,588
2022	$14,642.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 64% of the US · lower than 79% of California
Wildfire Likelihood	0.04% 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 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.

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