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6321 Moraga Dr, Carmichael, CA 95608 Property Records

Sacramento County property record for 6321 Moraga Dr, Carmichael, CA 95608 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,730 sqft · built 1964
Lot Size0.246 acres (10,700 sqft)
Owner2 Individual Names on File
Last Sale$597,000 (Jul 2024)
Tax Bill$7,224 (2025)
Deeds & MortgagesOct 2025 Mortgage
May 2021 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN236-0231-002-0000

Property Details

APN / Parcel Number

Primary APN236-0231-002-0000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,730 sqft Living Area
1st Floor Area1,730 sqft
Family RoomFamily Room
Utility RoomUtility Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1964
Effective Year BuiltEffective 1964
Architectural StyleL-Shape
Construction TypeWood
Roof MaterialOther
Lot Area10,700 sqft (0.246 acres)
Garage Area504 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address6321 MORAGA DR
CityCARMICHAEL
StateCA
Zip95608-1128
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionKELLY ESTATES 01, LOT 30
Legal SubdivisionKELLY ESTATES 01
Legal Lot Number30
JurisdictionSACRAMENTO CA
Township / Civil DivisionSACRAMENTO
Census Block Group5
Census Block5004
Census Tract7903

Owner

Source: Sacramento County records · APN 236-0231-002-0000

Assessment roll updated July 22, 2026 · Last verified July 2026

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

Owner of Record2 Individual Names on File
Mailing Address6321 MORAGA DR, CARMICHAEL, CA 95608-1128
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Oct 23, 2025Deed of Trust, Mortgage · Conventional Mortgage
FILO MORTGAGE LLC
May 24, 2021Deed of Trust, Mortgage · Conventional Mortgage
FLEXPOINT INC
May 24, 2021Deed of Trust, Mortgage · Conventional Mortgage
FLEXPOINT INC
Nov 09, 2017Grant Deed, Transfer · FHA Mortgage
SUMMIT FNDG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 22, 2024 · Amount on Record
Deed SaleJul 22, 2024 · Amount on Record
Prior SaleNov 09, 2017 · Amount on Record
Deed Book / Page20240722 / 583
Prior Transfer DateFeb 09, 2009
Prior Transfer Doc5200000000581
Record UpdatedSep 20, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSACRAMENTO CA
Property Address6321 MORAGA DR, CARMICHAEL, CA 95608-1128
Transaction TypeMortgage
Record UpdatedMay 15, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address6321 MORAGA DR, CARMICHAEL, CA 95608-1128

Mortgage

Document Number0000000089
DateOct 23, 2025
Instrument202510230089
Lender
NameFILO MORTGAGE LLC
TypeMortgage Company
AddressCONSHOHOCKEN, PA 19428
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueNov 01, 2040

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSACRAMENTO CA
Property Address6321 MORAGA DR, CARMICHAEL, CA 95608-1128
Transaction TypeMortgage
Record UpdatedMay 15, 2026
Title CompanySTEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address6321 MORGAN DR, CARMICHAEL, CA 95608
InvestorPossibly a Property Investor

Mortgage

Document Number0000001911
DateMay 24, 2021
Instrument202105241911
Lender
NameFLEXPOINT INC
TypeNon-Lending Institution
AddressCOSTA MESA, CA 92626
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2051

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSACRAMENTO CA
Property Address6321 MORAGA DR, CARMICHAEL, CA 95608-1128
Transaction TypeMortgage
Record UpdatedJun 04, 2021
Title CompanySTEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address6321 MORGAN DR, CARMICHAEL, CA 95608

Mortgage

Document Number5240000001911
DateMay 24, 2021
Book Page20210524/1911
Lender
NameFLEXPOINT INC
TypeNon-Lending Institution
AddressCOSTA MESA, CA 92626
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2051

November 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSACRAMENTO CA
Recording DateNov 09, 2017
Property Address6321 MORAGA DR, CARMICHAEL, CA 95608-1128
Document Number1711091118
Instrument DateNov 07, 2017
Instrument1711091118
Transaction TypeTransfer
Record UpdatedNov 21, 2017
Title CompanyFIDELITY NATIONAL TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$408.00
Amount AccuracyFull Value
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address6321 MORAGA DR CARMICHAEL CA 956081128, CARMICHAEL, CA 95608-1128

Mortgage

Document Number1711091119
DateNov 09, 2017
Instrument1711091119
Lender
NameSUMMIT FNDG
TypeFunding / Finance Company
AddressSACRAMENTO, CA 95815
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 08, 2047

Tax Assessment & Valuation

Source: Sacramento County records · Assessment roll updated July 22, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySacramento County
Unified School DistrictSan Juan Unified School District (KG - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

YearTax BillAssessed Value
2026$608,940 (+2%) Land $142,800 Building $466,140
2025$7,224.00 (+44.36%)$597,000 (+47.14%) Land $140,000 Building $457,000
2024$5,004.00 (+1.6%)
2023$4,925.00 (+2.05%)$405,739 Land $92,959 Building $312,780
2022$4,826.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Sacramento County (06067C), updated September 29, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060670079035, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies6 in force
Nearby Flood Claims2 (1992–1995)
Most Recent ClaimJan 1995, rainfall accumulation, Severe Winter Storms, Flooding, Landslides, Mud Flows

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 477 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 2,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TDSL100 / 20

May also be available at this address: AT&T, California Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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