5945 Camray Cir, Carmichael, CA 95608 Property Records

Sacramento County property record for 5945 Camray Cir, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,128 sqft · built 1981
Lot Size	0.177 acres (7,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$535,000 (May 2023)
Tax Bill	$11,157 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Aug 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`245-0303-013-0000`

Property Details

APN / Parcel Number

Primary APN	`245-0303-013-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,128 sqft Living Area
1st Floor Area	1,292 sqft
2nd Floor Area	836 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	7,700 sqft (0.177 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Pool Area	16,000 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5945 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 28
Legal Subdivision	LINCOLN HILL 02
Legal Lot Number	28
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1020
Census Tract	7906

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	5945 CAMRAY CIR, CARMICHAEL, CA 95608-1733
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 9, 2023	Grant Deed, Transfer · FHA Mortgage NATIONS DIRECT MORTGAGE LLC
Aug 18, 2022	Affidavit of Death of Joint Tenant, Transfer
Mar 30, 2020	Affidavit of Death, Transfer MR COOPER
Jul 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2023 · Amount on Record
Deed Sale	May 9, 2023 · Amount on Record
Deed Book / Page	20230509 / 651
Prior Transfer Date	Aug 12, 2022
Prior Transfer Doc	2022000911
Record Updated	Sep 20, 2026

May 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	May 9, 2023
Property Address	5945 CAMRAY CIR, CARMICHAEL, CA 95608-1733
Document Number	0000000651
Map Reference	MB 124 MAP 8
Instrument Date	May 2, 2023
Instrument	202305090651
Transaction Type	Transfer
Record Updated	May 19, 2023
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
Address	5945 CAMRAY CIR, CARMICHAEL, CA 95608-1733

Mortgage

Document Number	0000000652
Date	May 9, 2023
Instrument	202305090652

Lender

Name	NATIONS DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

August 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 18, 2022
Property Address	5945 CAMRAY CIR, CARMICHAEL, CA 95608-1733
Document Number	0000000911
Map Reference	MB 124 MAP 8
Instrument Date	Aug 18, 2022
Instrument	2022081800911
Transaction Type	Transfer
Record Updated	Aug 30, 2022

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	5945 CAMRAY CIR, CARMICHAEL, CA 95608-1733

March 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SACRAMENTO CA
Recording Date	Mar 30, 2020
Property Address	5945 CAMRAY CIR, CARMICHAEL, CA 95608-1733
Document Number	2003300134
Instrument Date	Mar 18, 2020
Instrument	2003300134
Transaction Type	Transfer
Record Updated	Apr 27, 2020
Title Company	TITLE 365

Transaction

Tax	$0.00
Amount Accuracy	Full Value

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5945 CAMRAY CIR CARMICHAEL CA 956081733, CARMICHAEL, CA 95608-1733

Mortgage

Document Number	2003300135
Date	Mar 30, 2020
Instrument	2003300135

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5945 CAMRAY CIR, CARMICHAEL, CA 95608-1733
Document Number	1907310487
Instrument Date	Jul 24, 2019
Transaction Type	Mortgage
Record Updated	Aug 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5945 CAMRAY CIR CARMICHAEL CA 956081733, CARMICHAEL, CA 95608-1733

Mortgage

Document Number	1907310487
Date	Jul 31, 2019
Instrument	1907310487

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 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		$567,746 (+2%) Land $148,569 Building $419,177
2025	$11,157.00 (+1.29%)	$556,614 (+4.04%) Land $145,656 Building $410,958
2024	$11,015.00 (+69.33%)
2023	$6,505.00 (+104.62%)	$535,000 Land $140,000 Building $395,000
2022	$3,179.00

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 364 locations within half a mile, as of December 31, 2025

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

May also be available: GeoLinks, Succeed.Net.

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