Sacramento County property record for 6245 Rio Bonito Dr, Carmichael, CA 95608
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,346 sqft · built 1952 |
| Lot Size | 0.54 acres (23,522 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,000,000 (Jun 2018) |
| Tax Bill | $13,924 (2025) |
| Deeds & Mortgages | Dec 2021 Line of Credit Feb 2023 Mortgage + 7 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 283-0112-003-0000 |
| Primary APN | 283-0112-003-0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 3,346 sqft Living Area |
| 1st Floor Area | 2,632 sqft |
| 2nd Floor Area | 394 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 23,522 sqft (0.54 acres) |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 12,000 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 6245 RIO BONITO DR |
|---|---|
| City | CARMICHAEL |
| State | CA |
| Zip | 95608-5244 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RD-2 (NPA) |
| Legal Description | WALNUT HEIGHTS, LOT 25 |
| Legal Subdivision | WALNUT HEIGHTS |
| Legal Lot Number | 25 |
| Jurisdiction | SACRAMENTO CA |
| Township / Civil Division | SACRAMENTO |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 7802 |
6245 Rio Bonito Dr is owned and occupied by an individual who acquired it in September 2020.
Source: Sacramento County records, as of July 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 6245 RIO BONITO DR, CARMICHAEL, CA 95608-5244 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 1, 2021 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Feb 7, 2023 | Deed of Trust, Mortgage · Commercial Mortgage CELTIC BANK CORPORATION |
| Aug 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Aug 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Mar 30, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Dec 15, 2018 | Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L |
| Jun 18, 2018 | Grant Deed, Transfer PNC BK NATL ASSN |
| Feb 20, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Feb 20, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 18, 2018 · Amount on File |
| Deed Sale | Jun 18, 2018 · Amount on File |
| Prior Sale | Sep 27, 2010 · Amount on File |
| Deed Book / Page | 20180618 / 917 |
| Last Transfer Date | Sep 8, 2020 |
| Transfer Doc | 3300000002544 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 6245 RIO BONITO DR, CARMICHAEL, CA 95608-5244 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2026 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 6245 RIO BONITO DR, CARMICHAEL, CA 95608-5244 |
| Document Number | 0000002163 |
|---|---|
| Date | Dec 1, 2021 |
| Instrument | 2021120102163 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Lending Institution |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 11, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 6245 RIO BONITO DR, CARMICHAEL, CA 95608-5244 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2026 |
| Title Company | LENNAR TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0000000777 |
|---|---|
| Date | Feb 7, 2023 |
| Instrument | 2023020700777 |
| Name | CELTIC BANK CORPORATION |
|---|---|
| Type | Bank |
| Address | SALT LAKE CITY, UT 84111 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Jan 28, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 6245 RIO BONITO DR, CARMICHAEL, CA 95608-5244 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 6245 RIO BONITO DR, CARMICHAEL, CA 95608-5244 |
| Document Number | 0000000636 |
|---|---|
| Date | Aug 20, 2021 |
| Instrument | 2021082000636 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Sep 1, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.62% |
| Index | Other |
| Max Rate | 7.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 6245 RIO BONITO DR, CARMICHAEL, CA 95608-5244 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2021 |
| Name | Verified Name |
|---|---|
| Address | 6245 RIO BONITO DR, CARMICHAEL, CA 95608-5244 |
| Document Number | 2021082000636 |
|---|---|
| Date | Aug 20, 2021 |
| Instrument | 2021082000636 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Sep 1, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.62% |
| Index | Other |
| Max Rate | 7.62% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Recording Date | Mar 30, 2021 |
| Property Address | 6245 RIO BONITO DR, CARMICHAEL, CA 95608-5244 |
| Document Number | 0000002544 |
| Map Reference | MB 26 MAP 25 |
| Instrument Date | Sep 8, 2020 |
| Instrument | 202103302544 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2026 |
| Title Company | SERVICELINK |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 6245 RIO BONITO DR, CARMICHAEL, CA 95608-5244 |
| Document Number | 0000002545 |
|---|---|
| Date | Mar 30, 2021 |
| Instrument | 202103302545 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Dec 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Change Frequency | Annually |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Property Address | 6245 RIO BONITO DR, CARMICHAEL, CA 95608-5244 |
| Document Number | 1901100313 |
| Instrument Date | Dec 15, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2019 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 6245 RIO BONITO DR CARMICHAEL CA 956085244, CARMICHAEL, CA 95608-5244 |
| Document Number | 1901100313 |
|---|---|
| Date | Jan 10, 2019 |
| Instrument | 1901100313 |
| Name | THIRD FED'L S&L |
|---|---|
| Type | Federal Savings Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 9, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Recording Date | Jun 18, 2018 |
| Property Address | 6245 RIO BONITO DR, CARMICHAEL, CA 95608-5244 |
| Document Number | 1806180917 |
| Instrument Date | May 29, 2018 |
| Instrument | 1806180917 |
| Transaction Type | Transfer |
| Record Updated | Jun 27, 2018 |
| Title Company | ORANGE COAST TITLE COMPANY/NTHRN CA |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,100.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6245 RIO BONITO DR CARMICHAEL CA 956085244, CARMICHAEL, CA 95608-5244 |
| Document Number | 1806180918 |
|---|---|
| Date | Jun 18, 2018 |
| Instrument | 1806180918 |
| Name | PNC BK NATL ASSN |
|---|---|
| Address | MIAMISBURG, OH 45342 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 17, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Recording Date | Feb 20, 2018 |
| Property Address | 6245 RIO BONITO DR, CARMICHAEL, CA 95608-5244 |
| Document Number | 1802200510 |
| Instrument Date | Jan 19, 2018 |
| Instrument | 1802200510 |
| Transaction Type | Transfer |
| Record Updated | Mar 1, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 6245 RIO BONITO DR CARMICHAEL CA 956085244, CARMICHAEL, CA 95608-5244 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SACRAMENTO CA |
| Recording Date | Feb 20, 2018 |
| Property Address | 6245 RIO BONITO DR, CARMICHAEL, CA 95608-5244 |
| Document Number | 1802200511 |
| Instrument Date | Jan 19, 2018 |
| Instrument | 1802200511 |
| Transaction Type | Transfer |
| Record Updated | Mar 1, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 6245 RIO BONITO DR CARMICHAEL CA 956085244, CARMICHAEL, CA 95608-5244 |
The 2025 property tax bill for 6245 Rio Bonito Dr was $13,924 with a homeowner's exemption, up 2.2% from the year before.
Source: Sacramento County assessment roll, as of July 22, 2026
| Type | Name |
|---|---|
| State | California |
| County | Sacramento County |
| Unified School District | San Juan Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,181,557 (+2%) Land $348,173 Building $833,384 | |
| 2025 | $13,924.00 (+2.16%) Homeowner's exemption | $1,158,391 Land $341,347 Building $817,044 |
| 2024 | $13,629.00 (+1.68%) | |
| 2023 | $13,404.00 (+2.06%) Homeowner's exemption | $1,113,411 Land $328,093 Building $785,318 |
| 2022 | $13,134.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 6245 Rio Bonito Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1986.
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 | 7 in force |
| Nearby Flood Claims | 4 (1986–2017) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Jan 2017 · Severe Winter Storms, Flooding, And Mudslides |
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 risk around 6245 Rio Bonito Dr is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 77% of California |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 62 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 |
| Succeed.Net Fixed Wireless | 100 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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