6107 Vernal Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 6107 Vernal Way, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,864 sqft · built 1959
Lot Size	0.276 acres (12,040 sqft)
Owner	Individual Name on Record
Last Sale	$454,000 (Jul 2020)
Tax Bill	$5,949 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`236-0172-002-0000`

Property Details

APN / Parcel Number

Primary APN	`236-0172-002-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,864 sqft Living Area
1st Floor Area	1,864 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	12,040 sqft (0.276 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	6107 VERNAL WAY
City	CARMICHAEL
State	CA
Zip	95608-1024
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	BARRETT MEADOWS 02, LOT 91
Legal Subdivision	BARRETT MEADOWS 02
Legal Lot Number	91
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	4
Census Block	4002
Census Tract	7903

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	Individual Name on Record
Mailing Address	6107 VERNAL WAY, CARMICHAEL, CA 95608-1024
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jul 1, 2020	Grant Deed, Transfer · FHA Mortgage GUILD MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2020 · Amount on Record
Deed Sale	Jul 1, 2020 · Amount on Record
Prior Sale	Jul 25, 2013 · Amount on Record
Deed Book / Page	20200701 / 951
Prior Transfer Date	Nov 18, 2002
Prior Transfer Doc	2002000200
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	6107 VERNAL WAY, CARMICHAEL, CA 95608-1024
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6107 VERNAL WAY, CARMICHAEL, CA 95608-1024

Mortgage

Document Number	0000000017
Date	Oct 14, 2025
Instrument	202510140017

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 13, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Jul 1, 2020
Property Address	6107 VERNAL WAY, CARMICHAEL, CA 95608-1024
Document Number	2007010951
Instrument Date	Jun 25, 2020
Instrument	2007010951
Transaction Type	Transfer
Record Updated	Jul 20, 2020
Title Company	ORANGE COAST TITLE COMPANY/NTHRN CA, ORANGE COAST TITLE CO/NTHRN CA

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$499.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6107 VERNAL WAY CARMICHAEL CA 956081024, CARMICHAEL, CA 95608-1024

Mortgage

Document Number	2007010952
Date	Jul 1, 2020
Instrument	2007010952

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2050

Mortgage

Document Number	2007010953,
Date	Jul 1, 2020
Instrument	2007010953

Lender

Name	GOLDEN ST FIN AUTHORITY
Address	SACRAMENTO, CA 95814

Agreement

Amount	Amount Recorded

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		$501,250 (+2%) Land $143,530 Building $357,720
2025	$5,949.00 (+2.15%)	$491,422 (+4.04%) Land $140,716 Building $350,706
2024	$5,824.00 (+1.62%)
2023	$5,731.00 (+2.03%)	$472,341 Land $135,252 Building $337,089
2022	$5,617.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2001)
Most Recent Claim	Dec 2001 · rainfall accumulation

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	Not rated no burnable land within 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	SACRAMENTO SUBURBAN WATER DISTRICT serves 194,444 people · EPA ID CA3410001
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 477 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks.

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