6430 Winding Way, Carmichael, CA 95608 Property Records

Sacramento County property record for 6430 Winding Way, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,716 sqft · built 1973
Lot Size	0.19 acres (8,276 sqft)
Owner	Company Name on Record
Last Sale	$390,000 (Apr 2019)
Tax Bill	$5,267 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2023 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`245-0291-017-0000`

Property Details

APN / Parcel Number

Primary APN	`245-0291-017-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,716 sqft Living Area
1st Floor Area	1,716 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
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	6430 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 17
Legal Subdivision	BARRETT HILLS 08
Legal Lot Number	17
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	Company Name on Record
Mailing Address	6430 WINDING WAY, CARMICHAEL, CA 95608-1137
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 5, 2023	Intrafamily Transfer, Transfer
Apr 5, 2023	Intrafamily Transfer, Transfer
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG
Apr 12, 2019	Grant Deed, Transfer · Conventional Mortgage GUILD MTG
Feb 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage GOLDEN 1 CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 12, 2019 · Amount on Record
Deed Sale	Apr 12, 2019 · Amount on Record
Prior Sale	Nov 30, 2005 · Amount on Record
Deed Book / Page	20190412 / 792
Last Transfer Date	Mar 23, 2023
Transfer Doc	2023000357
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	6430 WINDING WAY, CARMICHAEL, CA 95608-1137
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6430 WINDING WAY, CARMICHAEL, CA 95608-1137

Mortgage

Document Number	0000000758
Date	Mar 19, 2021
Instrument	202103190758

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 5, 2023
Property Address	6430 WINDING WAY, CARMICHAEL, CA 95608-1137
Document Number	0000000356
Map Reference	MB 84 MAP 7
Instrument Date	Mar 28, 2023
Instrument	202304050356
Transaction Type	Transfer
Record Updated	Apr 17, 2023

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	Community Property with Right of Survivorship
Address	6430 WINDING WAY, CARMICHAEL, CA 95608-1137

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 5, 2023
Property Address	6430 WINDING WAY, CARMICHAEL, CA 95608-1137
Document Number	0000000357
Map Reference	MB 84 MAP 7
Instrument Date	Mar 23, 2023
Instrument	202304050357
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Revocable Trust
Address	6430 WINDING WAY, CARMICHAEL, CA 95608-1137

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	6430 WINDING WAY, CARMICHAEL, CA 95608-1137
Transaction Type	Mortgage
Record Updated	Apr 1, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6430 WINDING WAY, CARMICHAEL, CA 95608-1137

Mortgage

Document Number	3190000000758
Date	Mar 19, 2021
Book Page	20210319/758

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	6430 WINDING WAY, CARMICHAEL, CA 95608-1137
Document Number	2003091073
Instrument Date	Mar 2, 2020
Transaction Type	Mortgage
Record Updated	Mar 27, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6430 WINDING WAY CARMICHAEL CA 956081137, CARMICHAEL, CA 95608-1137

Mortgage

Document Number	2003091073
Date	Mar 9, 2020
Instrument	2003091073

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 2050

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Apr 12, 2019
Property Address	6430 WINDING WAY, CARMICHAEL, CA 95608-1137
Document Number	1904120792
Instrument Date	Apr 2, 2019
Instrument	1904120792
Transaction Type	Transfer
Record Updated	Apr 24, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$429.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6430 WINDING WAY CARMICHAEL CA 956081137, CARMICHAEL, CA 95608-1137

Mortgage

Document Number	1904120793
Date	Apr 12, 2019
Instrument	1904120793

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 11, 2049

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	6430 WINDING WAY, CARMICHAEL, CA 95608-1137
Document Number	1803050802
Instrument Date	Feb 23, 2018
Transaction Type	Mortgage
Record Updated	Mar 15, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6430 WINDING WAY CARMICHAEL CA 956081137, CARMICHAEL, CA 95608-1137

Mortgage

Document Number	1803050802
Date	Mar 5, 2018
Instrument	1803050802

Lender

Name	GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 4, 2033

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		$443,749 (+2%) Land $102,402 Building $341,347
2025	$5,267.00 (+2.17%)	$435,049 (+4.04%) Land $100,395 Building $334,654
2024	$5,155.00 (+1.6%)
2023	$5,074.00 (+2.03%)	$418,158 Land $96,498 Building $321,660
2022	$4,973.00

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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