5973 Camray Cir, Carmichael, CA 95608 Property Records

Sacramento County property record for 5973 Camray Cir, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,692 sqft · built 1984
Lot Size	0.154 acres (6,720 sqft)
Owner	Company Name on Record
Last Sale	$377,500 (Nov 2018)
Tax Bill	$5,029 (2025)
Deeds & Mortgages	Oct 2021 Reverse Mortgage Mar 2023 Reverse Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`245-0303-006-0000`

Property Details

APN / Parcel Number

Primary APN	`245-0303-006-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,692 sqft Living Area
1st Floor Area	1,692 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	6,720 sqft (0.154 acres)
Garage Area	430 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	5973 CAMRAY CIR
City	CARMICHAEL
State	CA
Zip	95608-1743
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	LINCOLN HILL 02, LOT 6
Legal Subdivision	LINCOLN HILL 02
Legal Lot Number	6
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1020
Census Tract	7906

Owner

Source: Sacramento County records, as of September 3, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	5973 CAMRAY CIR, CARMICHAEL, CA 95608-1743
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2021	Deed of Trust, Mortgage · Reverse Mortgage THE MONEY HOUSE INC
Mar 2, 2023	Deed of Trust, Mortgage · Reverse Mortgage CHERRY CREEK MORTGAGE CO INC
Oct 5, 2021	Deed of Trust, Mortgage · Reverse Mortgage COMMISSIONER OF HOUSING AND URBAN DEVELO
Oct 5, 2021	Deed of Trust, Mortgage · Reverse Mortgage COMMISSIONER OF HOUSING AND URBAN DEVELO
Nov 14, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 16, 2018	Grant Deed, Transfer CORNERSTONE TITLE COMPANY, CORNERSTONE TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2018 · Amount on Record
Deed Sale	Nov 16, 2018 · Amount on Record
Prior Sale	Jul 19, 2010 · Amount on Record
Deed Book / Page	20181116 / 835
Prior Transfer Date	May 7, 2003
Prior Transfer Doc	2003002213
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5973 CAMRAY CIR, CARMICHAEL, CA 95608-1743
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5973 CAMRAY CIR, CARMICHAEL, CA 95608-1743

Mortgage

Document Number	0000001915
Date	Oct 5, 2021
Instrument	2021100501915

Lender

Name	THE MONEY HOUSE INC
Type	Mortgage Company
Address	ORLANDO, FL 32819

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	971 Months
Due	Sep 24, 2102

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5973 CAMRAY CIR, CARMICHAEL, CA 95608-1743
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5973 CAMRAY CIR, CARMICHAEL, CA 95608-1743

Mortgage

Document Number	0000000255
Date	Mar 2, 2023
Instrument	2023030200255

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	7.09%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5973 CAMRAY CIR, CARMICHAEL, CA 95608-1743
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5973 CAMRAY CIR, CARMICHAEL, CA 95608-1743

Mortgage

Document Number	0000001916
Date	Oct 5, 2021
Instrument	2021100501916

Lender

Name	COMMISSIONER OF HOUSING AND URBAN DEVELO
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.94%
Type Change Date	Nov 1, 2021
Change Frequency	Annually
Index	1-Year CMT

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	5973 CAMRAY CIR, CARMICHAEL, CA 95608-1743
Transaction Type	Mortgage
Record Updated	Oct 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5973 CAMRAY CIR, CARMICHAEL, CA 95608-1743

Mortgage

Document Number	2021100501916
Date	Oct 5, 2021
Instrument	2021100501916

Lender

Name	COMMISSIONER OF HOUSING AND URBAN DEVELO
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.94%
Type Change Date	Nov 1, 2021
Change Frequency	Annually
Index	1-Year CMT

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 14, 2019
Property Address	5973 CAMRAY CIR, CARMICHAEL, CA 95608-1743
Document Number	1911140590
Instrument Date	Nov 4, 2019
Instrument	1911140590
Transaction Type	Transfer
Record Updated	Nov 27, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5973 CAMRAY CIR CARMICHAEL CA 956081743, CARMICHAEL, CA 95608-1743

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Nov 16, 2018
Property Address	5973 CAMRAY CIR, CARMICHAEL, CA 95608-1743
Document Number	1811160835
Instrument Date	Nov 13, 2018
Instrument	1811160835
Transaction Type	Transfer
Record Updated	Dec 4, 2018
Title Company	CORNERSTONE TITLE COMPANY, CORNERSTONE TITLE CO

Transaction

Amount	Amount Recorded
Tax	$415.25
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5973 CAMRAY CIR CARMICHAEL CA 956081743, CARMICHAEL, CA 95608-1743

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		$429,526 (+2%) Land $113,781 Building $315,745
2025	$5,029.00 (+2.17%) Homeowner's exemption	$421,104 (+4.04%) Land $111,550 Building $309,554
2024	$4,922.00 (+1.63%)
2023	$4,843.00 (+2.07%) Homeowner's exemption	$404,754 Land $107,219 Building $297,535
2022	$4,745.00

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 98% of the US · lower than 98.4% 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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