5981 Camray Cir, Carmichael, CA 95608 Property Records

Sacramento County property record for 5981 Camray Cir, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,840 sqft · built 1983
Lot Size	0.154 acres (6,720 sqft)
Owner	2 Individual Names on Record
Last Sale	$495,000 (Apr 2021)
Tax Bill	$6,499 (2025)
Deeds & Mortgages	Jun 2021 Transfer Apr 2021 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`245-0303-004-0000`

Property Details

APN / Parcel Number

Primary APN	`245-0303-004-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,840 sqft Living Area
1st Floor Area	1,840 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	6,720 sqft (0.154 acres)
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5981 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 4
Legal Subdivision	LINCOLN HILL 02
Legal Lot Number	4
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	2 Individual Names on Record
Mailing Address	5981 CAMRAY CIR, CARMICHAEL, CA 95608-1743
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2021	Intrafamily Transfer, Transfer
Apr 2, 2021	Grant Deed, Transfer · VA Mortgage 1ST LENDING SOLUTIONS INC
Apr 2, 2021	Intrafamily Transfer, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Jul 29, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Apr 2, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Sep 3, 2019	Quit Claim Deed, Mortgage · Conventional with PMI FINANCIAL PTRS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2021 · Amount on Record
Deed Sale	Apr 2, 2021 · Amount on Record
Prior Sale	Jun 30, 2015 · Amount on Record
Deed Book / Page	20210402 / 1006
Last Transfer Date	May 29, 2021
Transfer Doc	6030000001634
Record Updated	Oct 29, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Jun 3, 2021
Property Address	5981 CAMRAY CIR, CARMICHAEL, CA 95608-1743
Document Number	0000001634
Map Reference	MB 124 MAP 8
Instrument Date	May 29, 2021
Instrument	202106031634
Transaction Type	Transfer
Record Updated	May 15, 2026

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
Relationship	Joint Tenants
Address	5981 CAMRAY CIR, CARMICHAEL, CA 95608-1743

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 2, 2021
Property Address	5981 CAMRAY CIR, CARMICHAEL, CA 95608-1743
Document Number	0000001006
Map Reference	MB 124 MAP 8
Instrument Date	Mar 30, 2021
Instrument	202104021006
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	5981 CAMRAY CIR, CARMICHAEL, CA 95608-1743

Mortgage

Document Number	0000001007
Date	Apr 2, 2021
Instrument	202104021007

Lender

Name	1ST LENDING SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 2, 2021
Property Address	5981 CAMRAY CIR, CARMICHAEL, CA 95608-1743
Document Number	0000001005
Map Reference	MB 124 PG 8
Instrument Date	Mar 30, 2021
Instrument	202104021005
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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	8729 MONTIFLORA CT, ELK GROVE, CA 95624-2557

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 29, 2020
Property Address	5981 CAMRAY CIR, CARMICHAEL, CA 95608-1743
Document Number	2007290671
Instrument Date	Jul 17, 2020
Instrument	2007290671
Transaction Type	Transfer
Record Updated	Aug 12, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1100 AZIE MORTON RD #1105 AUSTIN TX 787042048, 1105, AUSTIN, TX 78704-2048

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 2, 2020
Property Address	5981 CAMRAY CIR, CARMICHAEL, CA 95608-1743
Document Number	2004020940
Instrument Date	Mar 31, 2020
Instrument	2004020940
Transaction Type	Transfer
Record Updated	May 1, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1412 COLLIER ST #A AUSTIN TX 787042932, A, AUSTIN, TX 78704-2932

September 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Sep 3, 2019
Property Address	5981 CAMRAY CIR, CARMICHAEL, CA 95608-1743
Document Number	1909030115
Instrument Date	Aug 20, 2019
Instrument	1909030115
Transaction Type	Mortgage
Record Updated	Oct 17, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	5981 CAMRAY CIR CARMICHAEL CA 956081743, CARMICHAEL, CA 95608-1743

Mortgage

Document Number	1909030116
Date	Sep 3, 2019
Instrument	1909030116

Lender

Name	FINANCIAL PTRS CU
Type	Credit Union
Address	DOWNEY, CA 90242

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 2, 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		$546,517 (+2%) Land $126,967 Building $419,550
2025	$6,499.00 (+2.15%)	$535,802 (+4.04%) Land $124,478 Building $411,324
2024	$6,362.00 (+1.6%)
2023	$6,262.00 (+2.04%)	$514,998 Land $119,646 Building $395,352
2022	$6,137.00

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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