6424 Winding Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 6424 Winding Way, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,828 sqft · built 1973
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$365,000 (Dec 2017)
Tax Bill	$4,938 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Jan 2026 Line of Credit + 7 more
Flood Zone	Zone X (minimal risk)
APN	`245-0291-016-0000`

Property Details

APN / Parcel Number

Primary APN	`245-0291-016-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,828 sqft Living Area
1st Floor Area	1,828 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	8,276 sqft (0.19 acres)
Garage Area	470 sqft
Parking Spaces	2 Parking Spaces
Pool Area	11,500 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	6424 WINDING WAY
City	CARMICHAEL
State	CA
Zip	95608-1137
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	BARRETT HILLS 08, LOT 16
Legal Subdivision	BARRETT HILLS 08
Legal Lot Number	16
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1000
Census Tract	7906

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	6424 WINDING WAY, CARMICHAEL, CA 95608-1137
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Jan 14, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Nov 1, 2021	Deed of Trust, Mortgage · VA Mortgage HOME POINT FINANCIAL CORPORATION
Nov 1, 2021	Deed of Trust, Mortgage · VA Mortgage HOME POINT FINANCIAL CORPORATION
Jan 18, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Dec 30, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Apr 3, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MTG
Dec 1, 2017	Grant Deed, Transfer CHICAGO TITLE COMPANY
Oct 27, 2017	Grant Deed, Transfer · VA Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2017 · Amount on Record
Deed Sale	Dec 1, 2017 · Amount on Record
Prior Sale	Oct 27, 2017 · Amount on Record
Deed Book / Page	20171201 / 66
Prior Transfer Date	Oct 21, 2008
Prior Transfer Doc	0000000204
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	6424 WINDING WAY, CARMICHAEL, CA 95608-1137
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6424 WINDING WAY, CARMICHAEL, CA 95608-1137

Mortgage

Document Number	0000000042
Date	Jun 13, 2022
Instrument	2022061300042

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	6424 WINDING WAY, CARMICHAEL, CA 95608-1137
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6424 WINDING WAY, CARMICHAEL, CA 95608-1137

Mortgage

Document Number	0000000574
Date	Jan 14, 2026
Instrument	202601140574

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Feb 1, 2066

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	6424 WINDING WAY, CARMICHAEL, CA 95608-1137
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6424 WINDING WAY, CARMICHAEL, CA 95608-1137

Mortgage

Document Number	0000001150
Date	Nov 1, 2021
Instrument	2021110101150

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	6424 WINDING WAY, CARMICHAEL, CA 95608-1137
Transaction Type	Mortgage
Record Updated	Nov 12, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6424 WINDING WAY, CARMICHAEL, CA 95608-1137

Mortgage

Document Number	2021110101150
Date	Nov 1, 2021
Instrument	2021110101150

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	6424 WINDING WAY, CARMICHAEL, CA 95608-1137
Document Number	2101261715
Instrument Date	Jan 18, 2021
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	TITLE CONNECT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6424 WINDING WAY CARMICHAEL CA 956081137, CARMICHAEL, CA 95608-1137

Mortgage

Document Number	2101261715
Date	Jan 26, 2021
Instrument	2101261715

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 25, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	6424 WINDING WAY, CARMICHAEL, CA 95608-1137
Document Number	2001061500
Instrument Date	Dec 30, 2019
Transaction Type	Mortgage
Record Updated	Jan 27, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6424 WINDING WAY CARMICHAEL CA 956081137, CARMICHAEL, CA 95608-1137

Mortgage

Document Number	2001061500
Date	Jan 6, 2020
Instrument	2001061500

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	6424 WINDING WAY, CARMICHAEL, CA 95608-1137
Document Number	1904080828
Instrument Date	Apr 3, 2019
Transaction Type	Mortgage
Record Updated	Apr 19, 2019
Title Company	STEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6424 WINDING WAY CARMICHAEL CA 956081137, CARMICHAEL, CA 95608-1137

Mortgage

Document Number	1904080828
Date	Apr 8, 2019
Instrument	1904080828

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 7, 2049

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Dec 1, 2017
Property Address	6424 WINDING WAY, CARMICHAEL, CA 95608-1137
Document Number	1712010066
Instrument Date	Oct 25, 2017
Instrument	1712010066
Transaction Type	Transfer
Record Updated	Dec 11, 2017
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$401.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6424 WINDING WAY CARMICHAEL CA 956081137, CARMICHAEL, CA 95608-1137

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 27, 2017
Property Address	6424 WINDING WAY, CARMICHAEL, CA 95608-1137
Document Number	1710270253
Instrument Date	Oct 25, 2017
Instrument	1710270253
Transaction Type	Transfer
Record Updated	Nov 3, 2017
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$401.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6424 WINDING WAY CARMICHAEL CA 956081137, CARMICHAEL, CA 95608-1137

Mortgage

Document Number	1710270254
Date	Oct 27, 2017
Instrument	1710270254

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 26, 2047

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		$423,143 (+2%) Land $104,450 Building $318,693
2025	$4,938.00 (+2.19%) Homeowner's exemption	$414,847 (+4.04%) Land $102,402 Building $312,445
2024	$4,832.00 (+1.64%)
2023	$4,754.00 (+2.06%) Homeowner's exemption	$398,740 Land $98,427 Building $300,313
2022	$4,658.00

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 97% of the US · lower than 97.8% 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 396 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 in parts of the area	100 / 20

May also be available: GeoLinks, Succeed.Net.

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