6445 Palm Ave, Carmichael, CA 95608 Property Records

Sacramento County property record for 6445 Palm Ave, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,646 sqft · built 1960
Lot Size	0.211 acres (9,210 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,008 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`236-0142-012-0000`

Property Details

APN / Parcel Number

Primary APN	`236-0142-012-0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,646 sqft Living Area
Gross Area	2,140 sqft
1st Floor Area	1,646 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	9,210 sqft (0.211 acres)
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	6445 PALM AVE
City	CARMICHAEL
State	CA
Zip	95608-0644
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	LINCOLN OAKS 04, LOT 51
Legal Subdivision	LINCOLN OAKS 04
Legal Lot Number	51
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1008
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	2 Individual Names on Record
Mailing Address	6445 PALM AVE, CARMICHAEL, CA 95608-0644
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE GOLDEN 1 CU
Aug 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE GOLDEN 1 CU
May 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage GOLDEN 1 CU
Dec 29, 2017	Deed of Trust, Mortgage · Conventional Mortgage GOLDEN 1 CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 21, 2012
Transfer Doc	0000000906
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	6445 PALM AVE, CARMICHAEL, CA 95608-0644
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6445 PALM AVE, CARMICHAEL, CA 95608-0644

Mortgage

Document Number	0000000826
Date	Aug 9, 2021
Instrument	202108090826

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2036

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	6445 PALM AVE, CARMICHAEL, CA 95608-0644
Transaction Type	Mortgage
Record Updated	Aug 20, 2021
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6445 PALM AVE, CARMICHAEL, CA 95608-0644

Mortgage

Document Number	8090000000826
Date	Aug 9, 2021
Book Page	20210809/826

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2036

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	6445 PALM AVE, CARMICHAEL, CA 95608-0644
Document Number	1905290950
Instrument Date	May 20, 2019
Transaction Type	Mortgage
Record Updated	Jun 14, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6445 PALM AVE CARMICHAEL CA 956080644, CARMICHAEL, CA 95608-0644

Mortgage

Document Number	1905290950
Date	May 29, 2019
Instrument	1905290950

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 28, 2034

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	6445 PALM AVE, CARMICHAEL, CA 95608-0644
Document Number	1801041202
Instrument Date	Dec 29, 2017
Transaction Type	Mortgage
Record Updated	Jan 12, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6445 PALM AVE CARMICHAEL CA 956080644, CARMICHAEL, CA 95608-0644

Mortgage

Document Number	1801041202
Date	Jan 4, 2018
Instrument	1801041202

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 3, 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		$175,658 (+2%) Land $77,165 Building $98,493
2025	$2,008.00 (+2.24%) Homeowner's exemption	$172,214 (+4.04%) Land $75,652 Building $96,562
2024	$1,964.00 (+1.66%)
2023	$1,932.00 (+2.11%) Homeowner's exemption	$165,528 Land $72,715 Building $92,813
2022	$1,892.00

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	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	CITRUS HEIGHTS WATER DISTRICT serves 67,818 people · EPA ID CA3410006
Water Source	Purchased surface water from SAN JUAN WATER DISTRICT
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2022–2024) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 612 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 Fixed Wireless · DSL · Fiber in parts of the area	100 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: Succeed.Net.

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