6470 Palm Ave, Carmichael, CA 95608 Property Records

Sacramento County property record for 6470 Palm Ave, Carmichael, CA 95608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,496 sqft · built 1969
Lot Size	0.156 acres (6,800 sqft)
Owner	2 Individual Names on File
Last Sale	$371,500 (Oct 2019)
Tax Bill	$4,835 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`236-0041-020-0000`

Property Details

APN / Parcel Number

Primary APN	`236-0041-020-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,496 sqft Living Area
1st Floor Area	1,496 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Custom Design
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	6,800 sqft (0.156 acres)
Garage Area	434 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	6470 PALM AVE
City	CARMICHAEL
State	CA
Zip	95608-0643
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-5
Legal Description	LORETTA TERRACES, LOT 36
Legal Subdivision	LORETTA TERRACES
Legal Lot Number	36
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	3
Census Block	3001
Census Tract	7903

Owner

6470 Palm Ave is owned and occupied by two individuals who bought it in October 2019.

Source: Sacramento County records, as of July 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6470 PALM AVE, CARMICHAEL, CA 95608-0643
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG
Oct 28, 2019	Grant Deed, Transfer · Conventional with PMI UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2019 · Amount on File
Deed Sale	Oct 28, 2019 · Amount on File
Prior Sale	Jan 18, 2008 · Amount on File
Deed Book / Page	20191028 / 1178
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	6470 PALM AVE, CARMICHAEL, CA 95608-0643
Document Number	2011101310
Instrument Date	Nov 5, 2020
Transaction Type	Mortgage
Record Updated	Nov 24, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6470 PALM AVE CARMICHAEL CA 956080643, CARMICHAEL, CA 95608-0643

Mortgage

Document Number	2011101310
Date	Nov 10, 2020
Instrument	2011101310

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 9, 2050

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 28, 2019
Property Address	6470 PALM AVE, CARMICHAEL, CA 95608-0643
Document Number	1910281178
Instrument Date	Oct 23, 2019
Instrument	1910281178
Transaction Type	Transfer
Record Updated	Nov 12, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$408.65
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	6470 PALM AVE CARMICHAEL CA 956080643, CARMICHAEL, CA 95608-0643

Mortgage

Document Number	1910281179
Date	Oct 28, 2019
Instrument	1910281179

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 27, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 6470 Palm Ave was $4,835 with a homeowner's exemption, up 2.2% from the year before.

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		$414,410 (+2%) Land $129,676 Building $284,734
2025	$4,835.00 (+2.2%) Homeowner's exemption	$406,285 Land $127,134 Building $279,151
2024	$4,731.00 (+1.63%)
2023	$4,655.00 (+2.08%) Homeowner's exemption	$390,511 Land $122,199 Building $268,312
2022	$4,560.00

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

Flood

FEMA maps place 6470 Palm Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 29, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 6470 Palm Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% 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	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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